Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Sailing Travel Insurance Guide
Oh Buoy! It’s easy to sea why more and more Australians are choosing to sail on their holidays. Sailing or yachting can be a spectacular way to experience and explore the scenic waters of your surrounding area.
if you are planning on setting sail in open waters it's important to know that cover varies a lot between providers.
Most travel insurance policies in Australia exclude sailing unless it is within a short distance of the coastline. However, with a growing demand for policies to cover sailing in international waters and amateur competitive sailing, a few insurers have updated their policies! (Aboat time too)!
Don't wreck your trip!
Make sure your chosen insurer covers your watery trip by comparing sailing travel insurance cover below:
| Insurer | Underwriter | Do they cover sailing? | Sailing conditions | Buy Now |
|---|---|---|---|---|
 1300 Insurance |
Allianz Australia Insurance Limited |  |
Cover for 10 nautical miles or less off any land mass | |
 1Cover |
Certain underwriters at Lloyd's | |
Cover for 10 nautical miles or less off any land mass | |
 Allianz |
Allianz Australia Insurance Limited | |
Cover for 10 nautical miles or less off any land mass | |
 Amex |
Chubb Insurance Australia Limited |  |
No specific cover for sailing mentioned in PDS | |
 Australian Seniors |
Hollard Insurance Company Pty Ltd | |
Cover for 12 nautical miles or less off any land mass | |
 Boomers |
Allianz Australia Insurance Limited | |
Cover for 10 nautical miles or less off any land mass | |
 Budget Direct |
Auto and General Insurance Company Limited | |
Cover in territorial waters when not racing (12 nautical miles) | |
 Columbus Direct |
Certain underwriters at Lloyd's | |
Cover for in-shore sailing (within 20 km) with the Sports & Adventure Pack A add-on | |
 Cover-More |
Zurich Australian Insurance Limited | |
No specific cover for sailing mentioned in PDS | |
 Downunder |
Certain underwriters at Lloyd's | |
Cover for 10 nautical miles or less off any land mass | |
 Easy Travel Insurance |
Zurich Australian Insurance Limited | |
No specific cover for sailing mentioned in PDS | |
 Fast Cover |
Hollard Insurance Company Pty Ltd | |
Cover for 10 nautical miles or less off any land mass | |
 Go insurance |
Certain underwriters at Lloyd's | |
Sailing extension can be purchased to include ocean racing, sailing equipment hire, boat waiver excess & more | |
 Insure4Less |
Go Insurance | |
Offshore sailing cover available that covers for ocean sailing, sailing in international waters and amateur competitive sailing (both offshore or onshore) | |
 InsureandGo |
Mitsui Sumitomo Insurance Company Limited | |
Cover in territorial waters when not racing | |
 iTrek |
Certain underwriters at Lloyd's | |
Cover for 10 nautical miles or less off any land mass | |
 Medibank Private |
Great Lakes Reinsurance (UK) PLC, trading as Great Lakes Australia | |
No specific cover for sailing mentioned in PDS | |
 Multitrip |
Mitsui Sumitomo Insurance Company Limited | |
Cover in territorial waters when not racing | |
 No Worries Insurance |
Chubb Insurance Australia Limited | |
Cover for 10 nautical miles or less off any land mass | |
 Online Travel Insurance |
Allianz Australia Insurance Limited | |
Cover for 10 nautical miles or less off any land mass | |
 Simply Travel Insurance |
Certain underwriters at Lloyd's | |
Cover for 10 nautical miles or less off any land mass | |
 Sure Save |
Lloyd’s of London | |
No specific cover for sailing mentioned in PDS | |
 Yachtsman's Travel Insurance |
Certain underwriters at Lloyd's | |
Specialised yachtsman's travel insurance with no offshore restrictions can cover up to 12 months away in any one trip | |
 Travel Insurance Direct |
Lloyd’s of London | |
No specific cover for sailing mentioned in PDS | |
 Travel Insurance Saver |
Pacific International Insurance Pty Ltd | |
General Exclusion - travelling in international waters in a private sail vessel or privately registered sail vessel. Consider the PDS and TMD from TIS and if the policy is right for you. | |
 Travel Insuranz |
Certain underwriters at Lloyd's | |
Cover in territorial waters when not racing | |
 Travel With Kit |
Certain underwriters at Lloyd's | |
Cover for 24 kilometres off land; not racing. | |
 Virgin Money |
Allianz Australia Insurance Limited | |
Cover for 10 nautical miles or less off any land mass | |
 Webjet |
Allianz Australia Insurance Limited | |
Cover for 10 nautical miles or less off any land mass | |
 Woolworths |
The Hollard Insurance Company Pty Ltd | |
Cover for 12 nautical miles or less off any land mass | |
 World Nomads |
XL insurance Company SE | |
Level 1: inland or coastal waters within 3 nautical miles. Level 2: beyond 3 nautical miles. | |
 Worldcare |
Allianz Australia Insurance Limited | |
Cover for 10 nautical miles or less off any land mass | |
 Zoom Travel Insurance |
Certain underwriters at Lloyd's | |
Cover for 10 nautical miles or less off any landmass; cover for up to 15 nautical miles with Sports and adventure pack |
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
Don't Rock The Boat Baby
Remember that what each policy does and does not cover varies hugely between insurers so it is important to read the policy document before purchasing if you’re unsure. If you have a watery activity planned that didn’t get a mention, it may have slipped under their radar or it may not be covered. Be sure to contact your insurer to check if all your planned activities are covered.
So Water You Waiting For?
Whether you’re a cadet eager to make your first serious trip into the big blue beyond or an experienced sailor venturing out of Australian waters on a regular basis, smart sailers will always spend time doing a travel insurance comparison. Our site compares a platoon of reputable insurers with policies that cover you whilst cruising the seas. What are you waiting for? Compare sailing travel insurance today!
Sailing Travel Insurance FAQs
Do I need travel insurance for sailing?
Most travel insurance policies exclude cover for activities not listed in their policy documents, so if you're going sailing, make sure you purchase a policy that covers sailing. This will cover you for medical emergencies, cancellations and delays, luggage cover and more. Most insurers have distance limitations for sailing, so you'll generally be limited to 10-15 nautical miles from a landmass. If you're sailing further than that, you may need a specialist sailing travel insurance policy.
Will I be covered if I have alcohol while sailing?
While a beer or wine at sea might sound grand, don't go overboard. If your claim arises because you or one of your travelling companions was intoxicated, you're unlikely to have a successful claim.
How much am I covered for if something happens to me while sailing?
This depends on which travel insurance company you choose to go with. Generally speaking, most travel insurance policies include unlimited emergency medical coverage, although some policies may be capped to a lower amount, particularly for older travellers.
Can I go open water sailing on a standard travel insurance policy?
If you're looking to travel more than 15-20 nautical miles from a landmass, most standard travel insurance policies will not cover you. Consider looking for a specialist sailing travel insurer instead.
Hayley Kennedy
Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.
Travel Insurance Extraordinaire At Your Service
Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!
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