Navigating Competitions and Travel Insurance: Coverage Before and After the Event

Greetings, fellow globetrotters! As you embark on your journey to participate in thrilling competitions around the world, it’s crucial to understand how travel insurance fits into the equation.

At STI Surf Travel Insurance, we prioritize your safety and peace of mind. In this blog, we shed light on the relationship between travel insurance and competitions, highlighting the coverage you can expect before and after the event. Let’s dive in!

Preparing for the Competition:

When it comes to the actual competition, it’s important to note that travel insurance typically does not cover you while actively participating. Organizers usually provide event insurance that safeguards participants during the competition. This coverage is specifically tailored to the unique risks associated with the event, such as injuries and liabilities.

Coverage Before the Competition:

While travel insurance may not extend to the competition itself, it plays a vital role in protecting you before the event. From the moment you depart for your competition destination, travel insurance can provide coverage for a wide range of unforeseen events. This includes trip cancellation or interruption, lost or delayed baggage, medical emergencies, and travel delays. It’s crucial to review your policy to ensure you have adequate coverage leading up to the competition.

Coverage After the Competition:

Once the event concludes, travel insurance resumes its role in safeguarding your journey. It continues to provide coverage for the remaining duration of your trip, even if you choose to extend your stay. This includes protection against medical emergencies, trip interruption or curtailment, lost or stolen belongings, and other unexpected circumstances. Having comprehensive travel insurance allows you to explore the destination, enjoy post-competition adventures, and return home with peace of mind.

Tailoring Your Coverage:

To ensure you have the appropriate coverage for your specific needs, it’s essential to communicate with your travel insurance provider. Inform them about your participation in a competition and clarify any concerns or questions you may have. They can guide you in selecting the right policy and help you understand the coverage details before, during, and after the event.


While travel insurance may not cover you during the actual competition, it remains an indispensable tool in protecting your journey before and after the event. By securing comprehensive travel insurance from STI Surf Travel Insurance, you can have peace of mind knowing that you’re covered for unforeseen events leading up to the competition and throughout the rest of your trip. Remember to review your policy, communicate with your insurance provider, and enjoy your thrilling competition experience to the fullest!

Disclaimer: The information provided in this blog is for general guidance only. Please consult your travel insurance provider to understand the specific coverage details related to your competition and travel plans.


Nib is Australia’s third largest travel insurer and global distributor of travel insurance through, nib Travel, providing financial protection and assurance to travellers wherever they are in the world and health and medical insurance to over 1.5 million Australian and New Zealand residents.

CoverMore are a global travel insurance provider and we’ve been protecting travellers since 1986. More than 15 million travellers worldwide trust us to protect their trips each year, including millions of Australian leisure and business travellers at home and overseas.

Global Rescue are there when you need it most and provide the finest integrated medical, security, travel risk and crisis management services available anywhere worldwide, delivered by our teams of critical care paramedics, physicians, nurses and military special operations veterans.

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