Is surfing in remote areas covered under my travel insurance policy?

Surfing is included under Fast Cover travel insurance policies when it’s within 2 nautical miles of any land mass. There is no cover for surfing beyond that distance, even if the Adventure Pack add-on has been purchased. 

The activity needs to be done recreationally, not in a professional or competitive setting. 

Whether a claim for surfing is payable will depend on your policy type, the specific circumstances, the type of expenses you’re claiming, and the policy terms, conditions, exclusions, limits and sub-limits. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.