How to Find The Best Golf Travel Insurance
December 19, 2013
As you prepare to embark on that long awaited golf holiday one of the key things to keep in mind is a suitable travel insurance policy. A good policy will let you enjoy your holidays better because you have a plan. We all anticipate for the best during our vacations but being prepared for the worst is not a premonition for doom but just a precaution for being on safe ground in case anything unpleasant comes up. It can be the difference between an unpleasant incident on your otherwise great holiday, and a financially ruinous holiday.
Golf travel insurance differs from normal travel insurance as it is tailored to cater for the specific needs of a golfer. It comes with various extraordinary extras that are essential when going on a golf holiday to any part of the world.
GET TO KNOW WHAT THE POLICY COVERS
Any golfer will attest to the fact that golf equipments do not come cheap and the last thing that any golfer wants to happen is lose their equipment. Typically golf insurance provides cover for theft or damage to your golf equipment and also covers non-refundable green fees that are already paid for or contacted to pay for and cannot get back in case of cancellation due to one reason or another. Golf insurance may also include golf equipment for hire.
Some policies will also cover for end supplier failures such as airlines or hotels busting after you have already paid for your trip. Other inclusions may feature cover for personal items, missed departures and hospital benefit.
IS GOLF ‘RISKY’?
Most insurers consider golf to be a ‘low risk’ endeavor and any injuries sustained are most likely to be covered by a standard travel insurance policy. Hence be aware of insurers who might classify golf as one of the ‘risky sports’ on their policies as they may be corny. Generally golf is stated as a Grade 1 sport of little risk but you must check with several providers. If you injure someone while playing the game you are unlikely to be covered unless it states on the certificate that your policy includes additional cover while playing the sport.
Since golf is not such a risky sport some insurers may offer to cover pre-existing medical conditions, just negotiate your way to get the best deals.
You need to keep all the receipts of all the golf equipments that you may be travelling with so that it would be easier to make claims in case of damage or theft. This also helps you access other equipments for hire in case you lose yours and also when you need replacement.
After you have done your research on all that a good policy should cover then you are free to shop around and get the best deals available. There are several reputable sites that give you access to the most competitive rates available online. Peruse carefully through the best and take your pick. It may all seem like a challenging task but you will never be sorry you did the right thing.