Golf travel insurance covers 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.
Best Travel Insurance for Golf Trips: Plans and Coverage
Golf travel insurance covers lost equipment, tournament fees and trip cancellations. AXA is the only provider with dedicated lost golf rounds coverage at $500 per trip.
Compare plans from $74 to $178 for golf-specific protection.
Updated: May 12, 2026
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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 cover 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 coverage for lost rounds, delayed equipment and tournament entry fees.
Best Golf Trip Travel Insurance: Companies and Plans Compared
We analyzed 13 travel insurance providers and ranked plans based on golf-specific benefits, coverage breadth and cost. AXA leads with unique lost rounds coverage, while sports-specific plans from BHTP, Tin Leg and IMG include equipment protection automatically.
Platinum | 88 | $114 | $500 | $1,000 rental coverage | $150,000 | |
Silver | 88 | $74 | $500 | $1,000 rental coverage | $50,000 | |
Sport | 88 | $178 | Not specified | Included in baggage | $100,000 | |
Adventure | 90 | $106 | Not specified | $500 delay | $100,000 | |
Gold | 90 | $96 | $500 | $1,000 rental coverage | $100,000 | |
AdrenalineCare | 91 | $124 | Not specified | $500 delay coverage | $50,000 |
MoneyGeek scores (out of 100) based on 40% cost, 30% coverage, 25% claims and service and 5% stability. Pricing shown for a 30-year-old traveling to Australia for seven days with $2,500 in trip costs.
BHTP scores highest overall (91). AXA wins for golf-specific trips, as it's the only carrier with a named lost golf rounds benefit ($500) as a standalone line item. Every other provider's weather-related reimbursement derives from general baggage or trip interruption language, which introduces coverage ambiguity at claim time. For destination golf travel where greens fees and prepaid rounds represent a significant portion of trip cost, AXA's specific coverage language removes that risk.
AXA Silver, Gold, and Platinum
AXA
AXA offers the most extensive 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 the trip cost. 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. The plan provides $100,000 emergency medical coverage and $250,000 medical evacuation.
BHTP AdrenalineCare Plan
BHTP
AdrenalineCare covers adventure sports automatically, with $1,500 baggage protection and $500 for equipment delays over six hours. Emergency medical coverage reaches $50,000, with $750,000 for medical evacuation.
IMG Sport Plan
IMG
The Sport Plan covers sports activities with equipment protection included under baggage benefits. Emergency medical coverage reaches $100,000, with $1 million in evacuation protection.
World Nomads, Travelex, Seven Corners, Travel Guard, Allianz Travel Insurance, World Trips and Travel Insured also offer golf coverage through sports upgrades. Planning winter sports activities? See travel insurance for skiing.
What Golf Travel Insurance Covers
Golf travel insurance combines standard travel coverage with golf-specific benefits like equipment protection, lost rounds reimbursement, tournament fees and medical care for injuries during play.
Tournament Entry Fees | Trip cancellation covers these fees if injury or illness prevents you from competing. |
Trip Cancellation and Interruption | Cancellation covers 100% of prepaid costs; interruption covers 125–150%. |
Sports Equipment Rental | AXA pays up to $1,000 for rentals when clubs are delayed; other providers pay $200–600. |
Baggage Delay | Pays $200–600 after 12–24-hour delays for essentials and equipment rental. |
Lost Golf Rounds | AXA reimburses $500 when weather or closures prevent scheduled rounds. |
Golf Equipment Protection | Covers lost, stolen or damaged clubs and gear up to $1,000–1,500, with $250–500 per-item limits. |
Emergency Medical Coverage | Covers $50,000–250,000 for injuries and $250,000–1 million for medical evacuation. |
How Much Golf Travel Insurance Costs
Golf travel insurance costs vary by trip cost, age, destination and coverage level. A 30-year-old pays $74 to $178 for a seven-day Australia trip with $2,500 in trip costs, based on plan and provider.
Factors Affecting Cost
Your premium varies by:
- Trip cost: Higher trip values raise premiums since cancellation benefits match prepaid amounts
- Age: Travelers over 65 pay more due to higher medical risk
- Destination: Medical care costs vary by country, with remote locations costing more
- Trip duration: Longer trips cost more regardless of destination
- Sports equipment: Clubs exceeding $1,500 may need added coverage or higher-tier plans
Want to cut costs while keeping solid protection? Review our guide to the cheapest travel insurance options.
When You Need Golf Travel Insurance
Golf travel insurance works best for trips 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.
Annual multi-trip plans typically cost $300 to $600 for year-round coverage, which is more cost-effective than per-trip policies after three or more golf trips annually, and most include equivalent equipment protection when the plan includes adventure sports coverage.
Tournament Participation
Amateur tournaments require entry fees from $100 to $500 plus travel costs that are covered if injury or illness prevents you from competing.
Expensive Equipment Transport
High-end clubs costing $2,000 to $5,000 need equipment coverage since airlines regularly damage or lose bags, with international carriers capping reimbursement at around $1,800 and domestic carriers at $3,500. You'd pay out of pocket for premium equipment without this coverage.
Many golfers assume that homeowners insurance covers clubs on a trip. Personal property limits for off-premises coverage typically cap at $500 to $1,500, and a $500 to $1,000 deductible applies. After the deductible, the net recovery on a $4,000 custom club set is effectively zero. Dedicated travel insurance equipment coverage carries no deductible for covered losses.
Weather-Related Cancellations
Hurricanes, tropical storms or severe weather can close courses for days, and weather coverage reimburses your prepaid fees when conditions make play impossible.
International Golf Travel
Golf injuries requiring emergency care or evacuation abroad can cost tens of thousands due to U.S. health insurance gaps, making international coverage important.
How to Choose Golf Travel Insurance
Golf travel insurance decisions come down to two variables: how much your equipment is worth and where you're playing. A golfer bringing $5,000 in custom clubs to Ballybunion or Bandon Dunes needs different coverage than one traveling domestically with standard gear. Work through these steps in order: equipment value sets your coverage floor, and destination determines the medical and evacuation limits that matter.
- 1
Calculate Your Equipment Value
Add up your clubs, bag, shoes, rangefinder and accessories, then verify policy baggage limits if your total exceeds $1,000.
- 2
Determine Your Coverage Needs
Review the comparison table above to find plans with lost rounds coverage, tournament fee coverage or equipment rental benefits matching your trip.
- 3
Evaluate 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.
- 4
Check 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.
To compare golf travel insurance plans across all 13 providers MoneyGeek evaluated, see the best travel insurance plans.
FAQ: Sports Travel Insurance for Golf
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 coverage 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 coverage.
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, IMG, World Nomads, Travelex, Seven Corners, Generali Global Assistance, Travel Guard, Allianz Travel Insurance, World Trips, Travel Insured and Nationwide.
Golf-specific evaluation: We assessed plans on golf benefits, including lost rounds coverage, sports equipment rental, equipment delay coverage 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 (Oct. 1 to 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!