Sailing travel insurance

Coverage for your big adventure

There’s nothing like setting out for a sailing trip on the open water — sailors know that it’s the ultimate getaway. But any time you board a vessel, whether it’s in Cape Cod or the Caribbean, there’s a certain degree of risk involved.

Whether you’re a seasoned sailor or just boarding as a passenger on an evening cruise, it’s a good idea to take out sailing insurance before you sail off into the sunset. With any luck, it’ll be smooth sailing from that point on.

What does sailing insurance cover?

To secure coverage for your sailing trip, you’ll need a comprehensive travel insurance plan that includes adventure sports coverage

A comprehensive travel insurance policy also provides coverage in a wide range of situations including trip cancellation, baggage loss and delay, and trip interruption to recoup non-refundable trip costs, as well as medical insurance to cover any expenses you might incur if you suffer a medical emergency while on your sailing trip

All of these are prudent benefits to have when embarking on a sailing trip, as anytime you’re on the water, there is an elevated degree of risk involved. It’s essential to be certain your policy provides adequate medical coverage, including medical evacuation in case of serious injury. And keep in mind that if you’re traveling abroad or in a US state outside the one where you reside, your private health insurance policy may not provide coverage for emergency medical expenses

Top destinations for sailing


A nation known for its maritime tradition, few trips compare with a tour of the Greek Islands by boat. With waters stretching across the Mediterranean, Aegean, and Ionian Seas and numerous idyllic islands to visit, Greece offers a wealth of wonderful sailing opportunities.

British Virgin Islands

Hidden coves, sheltered harbors, and deserted white sand beaches washed by calm blue waters can all be enjoyed by those sailing in the British Virgin Islands. The archipelago offers what is arguably some of the best sailing in the Caribbean.


Rich in culture and history, and with a long maritime history, Zanzibar is a jewel of East Africa. An archipelago off the coast of Tanzania in the Indian Ocean with two large main islands, Zanzibar’s numerous smaller islands are perfect to be explored on a sailing trip.


The 70-plus islands off the coast of Queensland making up the Whitsundays are possibly Australia’s best kept secret. Diverse sea life, beautiful beaches, and uniquely blue waters set the backdrop for an unforgettable sailing trip.

What is not covered?

Sailing for any reason other than leisure is usually excluded from sailing travel insurance — so trips that involve professional or competitive sailing won’t be covered. In addition, if you’re involved in any accidents resulting from intoxication or criminal acts, your travel insurance claim may be denied.

Safety on the water needs to be taken seriously at all times and reasonable precautions need to be taken to avoid any mishaps. Furthermore, coverage for the vessel or boat itself would require a separate, additional type of coverage.

Good to know

Do I need specialist insurance for a sailing trip?

It depends on your insurance provider. Some insurance companies offer specialist policies for sailing coverage, or can include sailing as additional coverage on a standard travel policy. Other providers include coverage for a wide range of adventure activities, including sailing.

Will my regular insurance cover me if I get injured on a sailing trip?

It may not. You will need a travel medical insurance policy to cover any medical expenses resulting from accidents or incidents that occur on a sailing trip. Relying on your regular insurance to get medical care is likely to result in a large out-of-pocket expense, even if you’re traveling in your country of residence.

Will travel insurance protect my baggage and gear?

Your travel insurance policy’s baggage loss and delay benefit will protect your sailing gear and cover you if your airline or carrier loses your baggage during your journey.

Are other water sports I do while sailing covered by sailing insurance?

Some insurance policies include coverage for adventure sports such as scuba diving, snorkeling, kayaking, and water skiing. Check your policy documents for the specifics.

What if I need to be evacuated?

In the event of you being seriously injured, your travel insurance policy may cover an emergency medical evacuation. If you do experience an emergency, be sure to call your travel insurance provider’s  24/7 travel assistance hotline for guidance.

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