Key Takeaways
- Fishing travel insurance typically costs 4% to 10% of the value of your trip.
- It’s best to buy travel insurance for fishing trips within 14 to 21 days of your first trip deposit, to take advantage of time-sensitive coverage options.
- A comprehensive fishing trip insurance policy will include coverage for trip cancellation, medical emergencies, gear protection, and evacuation.
Travel Insurance for Fishing Trips
Fishing trips are all about the thrill of the catch, but when the unexpected strikes it can turn your holiday upside down.
We make it easy to compare fishing travel insurance plans, so you can find the best financial protection for your trip. When getting a quote, select “fishing” as a covered activity filter to see your best options.
What Is Fishing Travel Insurance?
Fishing travel insurance is adventure travel coverage that provides financial protection for trip cancellations, medical emergencies, and gear loss during fishing trips.
Standard travel insurance often excludes adventure or higher-risk activities, and sports equipment may not be covered in a base plan. Fishing trip insurance can provide the coverage you need.
What Does Fishing Trip Insurance Cover?
While coverage varies by provider, fishing travel insurance plans typically include:
- Trip cancellation. This coverage will reimburse you for prepaid, nonrefundable expenses if you need to cancel your trip for a reason listed in your policy. In a fishing travel insurance policy, a cancellation reason might include government fishing restrictions that were issued after you bought your travel insurance, if fishing is the main purpose of your trip.
- Trip interruption. If you need to come home early for a covered reason, this coverage reimburses you for the part of the trip you missed. It can also be used to buy a last-minute, one-way ticket home.
- Gear protection. Baggage insurance will cover lost, stolen, or delayed baggage, up to your policy limit. Fishing travel insurance plans might also offer specific coverage for sports equipment rental, such as $500 per day, up to $2,000 per person.
- Medical coverage. Emergency medical care and medical evacuation coverage are particularly important when fishing abroad. Medical evacuation from a remote fishing location could cost tens to hundreds of thousands of dollars without coverage. Hospital of choice coverage, available with some plans, may help get you to medical care closer to home.
- Emergency services. Search and rescue coverage would be valuable if you encounter trouble during a remote fishing excursion. Natural disaster and political evacuation coverage could help you leave your fishing destination if it becomes unsafe.
SOVENTURE tip: When comparing fishing travel insurance plans on our site, click “view certificate” to read the details of each plan before buying.
How Does Fishing Travel Insurance Differ From Standard Travel Insurance?
Every travel insurance policy has unique coverage and exclusions, so it’s important to read yours carefully to make sure it meets your needs. Below you can see areas of coverage that are typically excluded from standard travel insurance that might be covered in a fishing travel insurance policy.
| Coverage area | Standard travel insurance | Fishing travel insurance |
|---|---|---|
| Specialized gear | Limited or excluded | Can cover daily fishing rentals |
| Remote destinations | Basic coverage | Enhanced evacuation from remote fishing locations |
| Activity coverage | May exclude “adventure” activities | Specifically includes fishing activities |
| Fishing restrictions | Not covered | May cover cancellation due to government-issued fishing restrictions |
How Much Does Fishing Travel Insurance Cost?
Typically, travel insurance costs between 4% and 10% of your total trip expense. The cost depends on factors like destination, trip length, traveler age, and coverage level.
If you’re planning a $3,500 ice fishing adventure in Canada, you might expect to pay between $140 to $350 for a plan that covers everything from medical protection to lost gear.
You can buy fishing travel insurance online through SOVENTURE in just a few clicks. Use our quote tool to compare plans, review coverages, and choose the option that best fits your needs.
When Should I Purchase Travel Insurance for a Fishing Trip?
The best time to purchase fishing travel insurance is within 14 to 21 days of your initial trip deposit. This helps you qualify for time-sensitive benefits like Cancel for Any Reason coverage and pre-existing condition waivers if all requirements are met. Buying early also can help you have coverage before unexpected events arise.
What’s the Best Fishing Travel Insurance?
The best fishing travel insurance depends on the type of trip you’re taking and your priorities. Do you want higher medical limits? Extra baggage protection for your gear? Flexibility to cancel for any reason?
To find a policy that meets your needs, get a quote and compare the policies online before buying.
SOVENTURE tip: Read your policy details carefully as coverage for adventure activities can vary by product and state of residence.
Frequently Asked Questions
Does Fishing Travel Insurance Cover My Rods and Tackle?
Yes, most fishing travel insurance plans include coverage for lost, stolen, or delayed fishing gear including rods, reels, and tackle as part of baggage protection benefits.
Can I Cancel If Fishing Restrictions Are Issued?
Many fishing travel insurance plans cover trip cancellation if the U.S. or local government issues fishing restrictions at your destination, provided fishing was the sole purpose of your trip.
Do I Need Fishing Travel Insurance for Domestic Trips?
While not required, fishing travel insurance can protect your investment in gear and trip costs, especially for expensive guided fishing excursions or trips to remote locations like Alaska.
Will My Health Insurance Cover Me on a Fishing Trip Abroad?
Most domestic health insurance plans provide limited or no coverage internationally, making travel medical coverage essential for fishing trips abroad.
Even if your domestic health insurance does cover you outside of the country, consider buying a travel insurance policy with primary medical benefits. This means your travel insurance will cover medical expenses without requiring you to first file a claim with your health insurance.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
