Golf travel insurance protects your equipment, trip costs, and tournament fees when traveling for golf. Plans cost $74 to $178 for a week-long trip to Australia with $2,500 in trip costs.
Sports Travel Insurance for Golf
Golf travel insurance covers lost equipment, tournament fees, and trip cancellations.
Compare plans from $74 to $178 for comprehensive golf-specific protection.
Updated: December 15, 2025
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Key Takeaways
AXA's the only provider offering dedicated lost golf rounds coverage ($500) and sports equipment rental reimbursement ($1,000), making it the best choice for golf-specific protection.
Golf travel insurance costs $74 to $178 for a seven-day international trip with $2,500 in trip costs, with sports-specific plans including equipment coverage automatically.
Plans protect against lost or damaged golf clubs (up to $1,000 to $1,500), tournament entry fees, trip cancellations, and emergency medical expenses for golf-related injuries.
What Is Golf Travel Insurance?
Golf travel insurance covers equipment loss, tournament fees, and trip costs for golf trips. Standard travel insurance often excludes sports equipment or limits coverage, while golf-specific policies add protection for lost rounds, delayed equipment, and tournament entry fees.
Best Golf Travel Insurance Companies and Plans
We analyzed 13 travel insurance providers and ranked plans based on golf-specific benefits, coverage comprehensiveness, and cost. AXA leads with unique lost rounds coverage, while sports-specific plans from BHTP, Tin Leg, and IMglobal include equipment protection automatically.
BHTP | AdrenalineCare | 91 | $124 | Not specified | $500 delay | $50,000 |
Tin Leg | Adventure | 90 | $106 | Not specified | $500 delay | $100,000 |
AXA | Gold | 90 | $96 | $500 | $1,000 | $100,000 |
AXA | Platinum | 88 | $114 | $500 | $1,000 | $150,000 |
AXA | Silver | 88 | $74 | $500 | $1,000 | $50,000 |
IMglobal | Sport | 88 | $178 | Not specified | Included | $100,000 |
Note: MoneyGeek Scores (out of 100) based on 40% cost, 30% coverage, 25% claims and service, 5% stability. Pricing shown for 30-year-old traveling to Australia for seven days with $2,500 in trip costs.
AXA Silver, Gold, and Platinum
AXA
AXA offers the most comprehensive golf-specific coverage with $500 for lost golf rounds and $1,000 for sports equipment rental. All three plans include trip cancellation up to 100% of trip cost and medical evacuation up to $1,000,000. Optional cancel for any reason coverage is also available.
Tin Leg Adventure Plan
Tin Leg
The Adventure Plan includes equipment loss in its $1,000 baggage benefit and $500 sporting equipment delay coverage. It provides $100,000 emergency medical coverage and $250,000 medical evacuation.
BHTP AdrenalineCare Plan
BHTP
AdrenalineCare includes adventure sports coverage automatically with $1,500 baggage coverage and $500 for equipment delays over six hours. It covers $50,000 in emergency medical expenses and $750,000 in medical evacuation.
IMglobal Sport Plan
IMG
The Sport Plan provides comprehensive sports coverage with equipment covered under baggage protection. It includes $100,000 emergency medical coverage and $1,000,000 in evacuation coverage.
Other providers offering golf coverage through sports upgrades include World Nomads, Travelex, Seven Corners, Travel Guard, Allianz Travel Insurance, World Trips, and Travel Insured. If you're also planning winter sports activities, see travel insurance for skiing.
What Golf Travel Insurance Covers
Golf travel insurance includes standard travel protections plus golf-specific benefits. Key coverage areas include equipment protection, lost rounds reimbursement, tournament fees, and medical care for injuries during play.
Lost Golf Rounds | AXA reimburses $500 when weather or closures prevent scheduled rounds. |
Golf Equipment Protection | Coverage up to $1,000-$1,500 for lost, stolen or damaged clubs and gear, with $250-$500 per-item limits. |
Sports Equipment Rental | AXA pays up to $1,000 for rentals when clubs are delayed; other providers pay $200-$600. |
Tournament Entry Fees | Protected under trip cancellation if injury or illness prevents you from competing. |
Trip Cancellation and Interruption | Covers 100% of prepaid costs for cancellation, 125%-150% for interruption. |
Emergency Medical Coverage | $50,000-$250,000 for injuries, $250,000-$1,000,000 for medical evacuation. |
Baggage Delay | $200-$600 after 12-24 hour delays for essentials and equipment rental. |
How Much Golf Travel Insurance Costs
Golf travel insurance costs depend on your trip cost, age, destination, and coverage level. For a seven-day trip to Australia with $2,500 in trip costs, a 30-year-old traveler pays $74 to $178, depending on the plan and provider.
Factors Affecting Cost
Your premium depends on:
- Trip cost: Higher trip values increase premiums since cancellation benefits are tied to prepaid amounts
- Age: Travelers over 65 pay higher premiums due to increased medical risk
- Destination: Medical care costs vary by country, with remote locations costing more
- Trip duration: Longer trips carry higher premiums regardless of destination
- Sports Equipment: Clubs exceeding $1,500 may require additional coverage or higher-tier plans
If you're looking to minimize costs while maintaining adequate protection, review our guide to the cheapest travel insurance options.
When You Need Golf Travel Insurance
Golf travel insurance makes sense for specific trip types where equipment value, weather risks or tournament commitments create financial exposure.
Golf Destination Trips
Trips to St. Andrews, Ballybunion, or Pebble Beach involve substantial advance bookings where weather delays, illness, or flight cancellations can cost thousands in lost fees. Golfers taking multiple trips per year should consider annual multi-trip travel insurance, which covers unlimited trips up to 30 or 45 days each.
Tournament Participation
Amateur tournaments require entry fees from $100 to $500 plus travel costs that are protected if injury or illness prevents you from competing.
Expensive Equipment Transport
Protect high-end clubs costing $2,000 to $5,000 with equipment coverage since airlines regularly damage or lose bags and cap reimbursement at $3,500, meaning you'd face out-of-pocket losses on premium equipment.
Weather-Related Cancellations
Hurricanes, tropical storms, or severe weather can close courses for days, and weather coverage protects your prepaid fees when conditions make play impossible.
International Golf Travel
Medical care abroad and U.S. health insurance gaps mean golf injuries requiring emergency care or evacuation could cost tens of thousands, making international coverage essential for trips outside the U.S.
How to Choose Golf Travel Insurance
- 1Calculate Your Equipment Value
Add up your clubs, bag, shoes, rangefinder and accessories, then verify policy baggage limits if your total exceeds $1,000.
- 2Determine Your Coverage Needs
Review the comparison table above to find plans with lost rounds coverage, tournament fee protection or equipment rental benefits matching your trip.
- 3Evaluate Medical Coverage for Your Destination
International trips need $50,000 minimum in medical coverage, with $100,000 to $250,000 preferred plus $250,000 to $1,000,000 evacuation for remote areas.
- 4Check Pre-Existing Condition Requirements
Buy within 10 to 21 days of your initial deposit to ensure pre-existing health conditions won't exclude medical claims if you have back problems, heart conditions or other health issues.
Is golf considered a high-risk sport for travel insurance?
No, golf is low-risk and standard travel insurance plans include it without restrictions, though equipment and lost rounds coverage may be limited.
Will my homeowners insurance cover my golf clubs during travel?
Homeowners insurance may cover clubs at a small percentage of your personal property limit, but you'll pay your deductible ($500 to $1,000) and affect your policy history.
Can I buy golf travel insurance after I've already left on my trip?
Most providers require purchase before departure, though some allow buying within 24 hours of leaving, but you'll forfeit pre-existing condition waivers and trip cancellation for prior events.
When should I buy golf travel insurance?
Buy golf travel insurance immediately after booking your trip to qualify for pre-existing condition waivers and maximum cancellation protection.
How We Evaluated Golf Travel Insurance
We evaluated golf travel insurance plans using MoneyGeek's standard scoring methodology: 40% cost, 30% coverage, 25% claims and service, and 5% stability.
Providers Analyzed: AXA, Tin Leg, BHTP, IMglobal, World Nomads, Travelex, Seven Corners, Generali Global Assistance, Travel Guard, Allianz Travel Insurance, World Trips, Travel Insured, and Nationwide.
Golf-Specific Evaluation: Plans were specifically assessed on golf benefits, including lost rounds coverage, sports equipment rental, equipment delay protection, and tournament fee coverage under trip cancellation.
Data Sources: Coverage details from providers' official policy documents and certificates. Premium pricing from quotes obtained in August 2024 for one 30-year-old traveler on a seven-day trip to Australia (October 1-7) with $2,500 in trip costs.
Limitations: Coverage options and pricing may vary by state. Premium quotes reflect point-in-time pricing and may change based on purchase date and specific destinations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.