What is golf travel insurance?
Whether on or off the green, golf travel insurance is essential for your next trip to a course away from home. Get protection for emergency medical expenses, repatriation and cancellation with our travel insurance policies. Then add on cover for the unique issues you may face on the course, whether you’re a beginner or a pro.
Our golf trip insurance includes lost green fees, hole-in-one cover and more. Plus, we have no upper age limit and can cover more than 1,300 pre-existing medical conditions. Adding it to a single or annual multi-trip policy is easy.
Get cover, then get on with your game. Call us for free or get a quote online.
Do you need specialist golf insurance?
Golf can be an expensive hobby. You can end up out of pocket if you go away without golf holiday insurance:
- Golf is really popular in Ireland. In fact, Golf Ireland says we have “over 370 Golf Clubs”. Are you one of the many Irish people spending money on a well-earned holiday on the course? Golf insurance means you can go away knowing you’re protected.
- “Golf equipment is expensive – it’s hard to dispute otherwise,” says Golf Monthly. They estimate: “if you want to play with a full bag of the very latest clubs from one of golf’s premium brands, you might not get that much change from £2,500” (almost €3000¹). Protecting your equipment when you take it away is essential.
- Golfing injuries are more common than you think. Golf Safety reports “up to 40,000 people a year seek medical attention for injuries caused by golf ball impact”. If you’re injured and can’t play on, get protection for lost green fees.
Travel insurance including golf cover should be top of your golf holiday to-do list. Call us for free or get a quote online. Read our Policy Wording for full details of cover and any exclusions.
What are the benefits?
We know any holiday takes planning, time and money. But if something goes wrong on a golf holiday, you’ll face certain costs you won’t get elsewhere. That’s why it’s important to add golf travel insurance to your policy.
From buying an expensive round of drinks because you’ve got a hole-in-one, to being unable to use your green fees because you’re injured. Get protection for unexpected issues on your trip.
What does the golf travel insurance add-on cover?
Buy golf trip insurance and get protection for your equipment and more. Travel knowing you're covered on your golf trip. It's that simple. Always read our Policy Wording for full details and any exclusions:
Loss of golf equipment
Standard travel insurance can only cover your belongings up to a certain amount. If your clubs are damaged on the course or your kit bag is stolen, you could be out of pocket. Get up to €1,500 of protection for theft, damage and accidental loss. Including your own and hired clubs, golf shoes, bags and non-motorised trolleys declared on your policy.
Hire of golf equipment
Don’t let your equipment being lost, stolen or damaged stop play. Get up to €20 per day to hire replacement clubs and kit while you’re away. Up to a maximum of €200 for your trip. Meaning you can still hit the course and get on with your holiday.
Loss of green fees
Seriously ill or injured and can’t continue as planned? Get up to €75 per day, up to a maximum of €300 in total, for unused green fees.
Hole-in-one cover
Hit a hole-in-one and face a big bar bill? It’s tradition to buy a round of drinks, but it can get expensive. One golfer recently faced a £470 bill (more than €550²). Get €150 towards the cost with golf holiday insurance³.
What’s not covered by the golf travel insurance add-on?
There are some costs that won’t be covered by golf travel insurance. Some of these include:
- Claims below the excess stated on your policy
- If you haven’t reported stolen belongings within 24 hours to the police, or if you don’t get a police report
- If your belongings are lost, damaged or delayed in transit and you don’t follow the steps in our Policy Wording
- Claims for lost green fees when you’ve not confirmed you’re too ill or injured to play golf. You need to contact our emergency medical assistance team to do this and may be asked for a medical certificate
- Hole-in-one cover if you’re not a member of a recognised golf club, detailed in the Policy Wording. Or the golf course at which the hole-in-one is scored is not affiliated with the Golfing Union of the local country
- If you do not have your scorecard signed by your playing partner, who must be a member of a National Golfing Union. Or if it’s not countersigned by the secretary of the club at which the hole-in-one has been scored
For full details of all exclusions, read our Policy Wording.
What else does JustCover’s golf travel insurance cover?
Golf travel insurance is an optional extra added to our standard policies. Meaning you’ll not only get protection for golf-specific issues when you have both. You’ll also be protected for medical emergencies, cancellation and more. Read our Policy Wording for full terms and conditions.
What's covered
Emergency medical expenses – We offer up to unlimited cover for emergency medical expenses and repatriation in an emergency. This includes costs relating to pre-existing medical conditions. As long as you declare them in our medical questionnaire.
Cancellation or curtailment – Cover if you cancel your trip due to certain reasons outside your control. Or if you need to fly home early in an emergency. Get protection for the cost of your flights and accommodation.
Travel delays – Get compensation for your time if your flight is delayed.
Your belongings – Cover for your bags and personal belongings. Whether they’re lost, stolen or damaged. We also offer optional cover for gadgets.
Personal liability and legal protection cover – If you accidentally injure someone or damage their property, get help with your legal expenses and liability. While we offer legal protection cover if you need to make a claim against someone else.
24/7 emergency medical helpline – Our team are there when you need them.
What's not covered
Claims that are less than the excess – We offer a range of policies with different excess levels.
Cancelling for reasons within your control – For instance, if you simply choose not to travel. As well as other exclusions detailed in our Policy Wording.
Issues you were aware of – If you knew about a problem before you booked your trip or bought your policy.
Places or activities not included in your policy – You cannot claim for trips outside of the regions stated in your policy. Or if you take part in activities that aren’t included. We offer a range of optional cover if you need it.
Medical conditions you don’t declare – We only cover pre-existing medical conditions if you declare them in our medical questionnaire. You also won’t be covered if you’re travelling for medical treatment. Or going away against medical advice.
Choose the right level of cover
We offer different levels of cover to make your Travel Insurance as cost-effective as possible.
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Will an EHIC cover you for golfing in Europe?
Your EHIC (European Health Insurance Card) only covers some state healthcare, giving you access at the same price as locals. This won’t always be free and won’t include all costs, such as medical repatriation. It also only applies to certain countries. It’s important to take both golf travel insurance and your EHIC in case you need emergency medical assistance.
An EHIC does not help with costs linked to other things going wrong, such as needing to cancel unexpectedly. Nor will it cover issues that golf holiday insurance will. If you want protection for lost green fees, your equipment and hole-in-one costs, you need golf trip insurance.
How much does golf trip insurance cost?
When buying a policy with golf travel insurance added on, there are some factors that will impact the price. These include:
- Your age and any pre-existing medical conditions: If you’re an older traveller or have a medical condition, you’re more likely to claim. Your quote will reflect this, but we’ll always tailor it to you. So if your condition is well controlled, we’ll take this into account.
- Where you’re going and how long for: If you’re going away for a long time, you’re more likely to need to claim. Plus, some countries have expensive healthcare systems, pushing up the price of treatment. These factors will impact your quote.
- Any additional cover: As well as golf trip insurance, we offer a whole range of other additional cover. So, if you need to add on any other cover, this will impact your quote.
How can you reduce the price of your policy?
If you’re looking for cheaper golf travel insurance, you can try:
- Going away for a shorter trip: Cover for a short break should be less than a big holiday.
- Going away somewhere where healthcare is cheaper: Pick somewhere where emergency medical treatment will cost less.
- Booking everyone on the same policy: We offer group, couples and family policies. These could save you time and money.
Buying an annual multi-trip policy: If you’re going away more than once this year, take a look at our annual policies. You can add golf travel insurance to them, potentially saving you money. Get your quote to find out.
Find the best travel insurance for golf cover
Whether you’ve got one big trip planned this year or multiple breaks, we’ve got you covered. Pick from single trip or annual multi-trip travel insurance:
Annual multi-trip travel insurance
Got more than one holiday this year? Lucky you! Get all your trips covered on one policy. You could save time and money.
Planning one special break in the next 12 months? Single trip travel insurance is your best bet.
Why choose JustCover for your golf holiday insurance?
Looking for the best golf travel insurance for your trip? We’ll keep things easy. No jargon, no waffle:
- Protect your clubs and golf kit with up to €1,500 of cover⁴
- 98% of our customers rate us as ‘Excellent’ or ‘Great’⁵
- Get up to unlimited cover for emergency medical expenses and repatriation
- Plus, up to €10,000 cancellation cover⁶
- 98.8% of our customers would recommend JustCover to family and friends⁷
Find more information and any exclusions in our Policy Wording.
When to buy golf holiday insurance
Planning ahead? You can buy golf travel insurance up to a year before your trip. You’ll be covered for cancellation from the moment you book.
Last-minute trip? Book your golf holiday insurance right up to the day you’re set to fly. You can buy a policy as long as you haven’t passed through customs in Ireland yet. You can’t buy golf trip insurance after you’ve done this or while you’re on your trip.
Specialist travel insurance for golf
Whether you’re looking for golf trip insurance with a medical condition, or cover for the whole family. We help you take off with confidence, knowing you’ve made the smart choice.
Seniors travel insurance: Worried you can’t get travel insurance as you get older? At JustCover, we’ve got no upper age limit.
Travel insurance with medical conditions: We know travelling with a medical condition can be stressful. That’s why we cover more than 1,300 conditions.
Family travel insurance: Whole family flying off? Keep things simple with everyone protected on the same policy.
Group travel insurance: If you have a big group trip planned, take a look at our special policies. You could save time and money.
Destinations covered by golf holiday insurance
Hitting the course in the United Kingdom or Spain? Or flying further afield to New Zealand or Canada? We offer travel and golf insurance for countries close to home and worldwide.
Europe: From Cyprus to Turkey and France, get European travel insurance for your trip.
Worldwide: Whether you’re heading off to the United States. Australia or Dubai, get a policy to suit your break.
Golf travel insurance for pre-existing medical conditions
Many people with pre-existing medical conditions enjoy golfing holidays. But it can be tricky to find a travel health insurance provider to cover you. We offer golf travel insurance for more than 1,300 medical conditions. As long as you declare them, you can hit the course knowing you’re covered.
Conditions include:
- Cancer
- Epilepsy
- Heart conditions
- Disabilities
- Asthma
- Diabetes
- COPD
- High cholesterol
- Stroke
- Arthritis
- Atrial fibrillation
A pre-existing medical condition is any condition that falls within the medical warranty. Read our Policy Wording for more details.
Being covered is as easy as 1, 2, 3
Get your quote in seconds
You will only need to tell us some information about yourself and your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance recommendations from our team
"Hoping for an ‘ace’ golfing trip on your ‘A’ game? We know taking away such expensive equipment can be stressful. Not to mention the cost of green fees if you’re ill or injured. Go away knowing you’re protected with golf travel insurance. You’ll even be covered if you hit a hole-in-one and face a big bar bill!⁸"
Peter Clark - JustCover Director
What our customers say
“Excellent product and service, clear, expressed in language we all understand, the detail is also there if required. Efficient to use and covered all the requirements for travel insurance. Would definitely recommend and will definitely return. Thank you.”
see full reviewFrequently asked questions about golf travel insurance
What’s the difference between standard travel insurance and golf travel insurance?
Standard travel insurance is a policy that covers you for common issues you might face on any holiday. For instance, needing emergency medical treatment or having your belongings stolen.
Golf holiday insurance is additional cover you can add to a standard policy. It’ll cover unique issues you might experience on a golf trip. For example, being injured and unable to use your golf fees.
Conditions and exclusions apply. Read our Policy Wording for full details.
Does golf travel insurance cover medical emergencies on the golf course?
Your standard travel insurance policy, which you add golf cover to, will help with emergency medical expenses. You can get up to unlimited cover for medical expenses and repatriation.
Ill or injured and unable to use your green fees? Our golf trip insurance add-on cover can help with costs.
Are there age restrictions on golf travel insurance?
We have no upper age limit at JustClear⁹. Meaning you can hit the greens knowing you’re covered. Get golf travel insurance for:
We can also cover more than 1,300 pre-existing medical conditions.
Can you get money back for golfing fees if you have to cancel your trip due to illness?
If you have to cancel your trip unexpectedly, cancellation cover will help with the cost of missed excursions, tours and activities.
Travel insurance with our golf add on cover will help if you’re ill or injured on your trip. Covering the cost of lost green fees. Read our Policy Wording for more details.
Are golf clubs insured under golf travel insurance, new for old?
If your clubs or kit are stolen, damaged or lost, you can get up to €1,500 of protection. You can claim up to €250 for any one item, after making proper allowance for wear and tear and depreciation. This includes golf shoes, bags, non-motorised trolleys and clubs. They are not covered ‘new for old’.
Do you need to show receipts to make a claim on golf equipment?
Can’t prove you own your golf kit or provide proof of purchase (e.g. original receipts)? You can still make a claim, but we reserve the right to apply a 10% deduction to any item claimed with a value over €100. This follows our standard deductions for age, wear and tear and loss of value.
Can you get golf travel insurance for domestic golf trips?
Yes, you can get golf travel insurance for a trip in Ireland. In fact, it’s a smart move as you’ll be covered for your equipment, lost green fees and more. Whether you’re flying abroad or not, your golf equipment and holidays cost you a lot of money. Make sure you protect them.
How do you claim on your golf travel insurance policy?
Whether making a claim on your standard travel insurance policy or your additional golf cover, the process will depend on what’s happened. If it’s a medical emergency, phone our 24/7 helpline as soon as possible. For other claims, you can notify us online within 30 days of the end of your trip. For more details, including any documentation you’ll need to keep, visit our claims page and read our Policy Wording.
Can you get golf travel insurance if you have a pre-existing medical condition?
Yes, you can get travel insurance including golf with a pre-existing medical condition. We think everyone deserves to enjoy their trip. That’s why we cover more than 1,300 medical conditions as a specialist provider. Just declare your conditions during the quote process and fill in our simple medical questionnaire.
Will golf travel insurance cover competitive golf games?
No, we cannot cover professionals taking part in professional games or tournaments. We can offer protection for professionals on holiday, playing a game with friends or family. See our Policy Wording or call our team for more details.
Can you add golf insurance to an existing travel insurance policy?
Change of plans and you’ll now be hitting the greens on your next holiday? You can add golf travel insurance to an existing JustCover policy. Whether you have a single trip or annual multi-trip policy, give us a call. The process is quick and easy and our team will be happy to answer any questions you have.
Will golf travel insurance cover you to drive a golf buggy?
We can offer standard cover for emergency medical expenses if you are injured driving a golf buggy. However, we cannot offer personal liability cover if you injure someone else when driving it. Read our Policy Wording or phone us for more details.
Can golf travel insurance be included in a single-trip or annual policy?
It’s simple to add on golf travel insurance to your JustCover single trip or annual multi-trip policy. Just contact our team. It’s important to note there’ll be an additional charge for this cover.
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2. Based on conversion rate on 25.06.25.
3. If you complete a hole-in-one stroke gross (i.e. exclusive of handicap) during any organised game on any golf course. This benefit will only be payable once in any game. Conditions and exclusions apply, read our Policy Wording for full details.
4. Conditions and exclusions apply, read our Policy Wording for full details.
5. Based on 2000+ Trustpilot responses, as of 12/05/2025.
6. Covers cancellation for certain reasons outside of your control and detailed in our Policy Wording. Amount of cover depends on the policy level you have purchased. Read our Policy Wording for full exclusions and Ts&Cs.
7. Based on 528 customer responses as of March 2024.
8. Conditions and exclusions apply, read our Policy Wording for full details.
9. Note: We have an age limit of 65 on our winter sports cover.
* Discount applies to the base price only and does not apply to any premium generated to cover medical conditions or optional extras. This discount is automatically applied and cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between €0-49, 10% for €50-249, & 20% for €250+ apply. Offer ends at 23:59 on 30/09/25. T&C's apply.