Sun, waves, freedom. Surfing in places like Indonesia, Morocco or Central America is an unforgettable experience… until a collision with your board, a tropical infection or a reef cut changes all your plans.

At PBF Insurance we’ve spent years advising travellers like you — people who combine adventure and passion with responsibility. If we’ve learned anything, it’s that accidents give no warning, but a good policy does protect you.

Surfing is freedom, but also risk

Surfing is a high-risk activity. Most travel insurance policies don’t cover it automatically, and many people find that out too late.

“One of our clients had an accident during a surf session: a fall left him with a head wound that required hospitalisation. Luckily, his policy was in order. He didn’t pay a single euro.”

Besides blows or injuries, we’ve also helped travellers with severe gastroenteritis, infections, minor accidents, missed flights or lost luggage that — without insurance — would have become a real headache.

What does good insurance for surfers cover?

With a policy like ARAG Viajeros Plus, designed for trips that include adventure sports, you’re covered for:

● International medical assistance up to €250 000 (or up to €1 million, depending on the plan)

● Repatriación sanitaria y traslados
● Medical evacuation & repatriation

● Hospitalisation, medication, tests

● Search, rescue & evacuation

● Extended hotel stay during convalescence

● Dispatch of medications or personal belongings

● Theft or damage to luggage

● Personal accident cover up to €15 000

● Personal liability up to €50 000

It also includes activities such as surfing, kitesurfing, stand-up paddleboarding (SUP), hiking, kayaking, diving (to 20 m), rafting, canyoning, etc., provided they’re not professional or competitive.

What if I travel with friends or family?

Many of our clients travel in groups, mixing sport with downtime. That’s why we also offer family or group policies, so everyone is protected — whether they surf or not.

Because a safe trip is one where every person counts.

In short: insurance isn’t an expense, it’s part of your gear

For the price of a dinner you can enjoy the peace of mind of knowing that if something happens, you’re covered — no improvisations, no fine print, real advice.

At PBF Insurance we don’t sell policies, we protect people.

Heading out to surf? Got your insurance yet?

Contact us. We’ll ask the key questions, explain the options clearly and help you choose the best cover for your trip and your sport.

Request your no-obligation quote here.