Sailing Travel Insurance

What is sailing?

Sailing outside territorial waters involves navigating open seas using the wind, without crossing oceans or taking part in competitive races. It requires an understanding of tides, weather conditions, and navigation, making it a rewarding but more advanced way to explore coastal and international waters.

Do I need travel insurance for sailing?

Yes. When sailing outside territorial waters, you may be exposed to increased risks, including changing weather, navigational challenges, or medical emergencies. Travel insurance offers peace of mind by covering emergency medical treatment, loss of personal belongings, cancellations, and personal liability.

Why choose us?

• Specialist cover for sailing and adventure travel
• Customisable policies for solo travellers and group voyages
• Suitable for experienced sailors exploring beyond coastal waters
• Clear policy wording - no hidden exclusions

What is included in sailing travel insurance?

Our sailing travel insurance includes emergency medical cover, personal accident protection, repatriation, trip cancellation, and personal liability. We also provide cover for your personal belongings while at sea.

Does standard travel insurance cover sailing?

Not usually. Many basic policies exclude activities outside territorial waters. You’ll need a policy that specifically covers sailing in open water to ensure you're fully protected.

Can I get sailing insurance with a medical condition?

Often, yes. Just declare your condition during the quote process and we’ll let you know what cover is available. Additional terms may apply.

Is there a maximum age for sailing travel insurance?

Many policies offer cover up to age 70. If you’re in good health and regularly active, there are usually options available. Always check your policy details.

Top international sailing destinations

• Caribbean – Warm waters and steady winds for relaxed cruising
• Mediterranean – Historic ports and calm to moderate sailing conditions
• South Pacific – Remote islands and spectacular marine scenery
• New Zealand – Coastal and cross-channel options with excellent infrastructure
• Greece – Ideal for coastal exploration with thousands of islands

What to pack for a sailing trip

• Navigation tools (GPS, maps, compass)
• Safety equipment such as life jackets and flares
• Weather-appropriate clothing and waterproof layers
• Sun protection: high-SPF sunscreen, hats, and sunglasses
• Dry bags, ID, insurance paperwork, and emergency contacts

Common sailing injuries and how insurance helps

Even experienced sailors may encounter:

• Dehydration or heat exhaustion
• Slips, trips, or falls on deck
• Sunburn or windburn
• Minor injuries from ropes or rigging

Insurance helps with medical treatment, emergency transport, and compensation for missed parts of your trip.

Tips for safe and enjoyable sailing

• Check marine weather forecasts before departure
• Ensure all safety gear is functional and accessible
• Keep hydrated and take sun breaks regularly
• Log your journey and share your route with someone ashore
• Know your limits and avoid sailing in poor conditions