What insurance you need for a golf trip in Australia or overseas includes several covers for liability, equipment and travel. For domestic golf trip within Australia, you need personal public liability $10M to $20M in case your ball injures someone or damages property, often included in Golf Australia membership via club $50 to $80 per year, or standalone golf insurance $100 to $200 per year from Golf Insurance Australia. You need golf equipment insurance for clubs worth $2K to $5K, buggy, bag and range finder against theft, accidental damage and loss during travel, costing $50 to $150 per year, or as part of travel insurance. For overseas golf trip, you need international travel insurance with $5M to $20M medical, plus golf equipment cover $2K to $5K for theft and damage, plus personal liability $5M, plus trip cancellation if you cannot play due to illness, costing $100 to $300 for 2-week trip from Cover-More, Allianz, 1Cover and World Nomads. If you take own clubs on plane, ensure airline cover for baggage loss and get all-risks equipment cover as airline liability limited to $1,500. If you hire golf buggy or cart overseas, check if liability included. For corporate golf trip, organiser needs event public liability $20M. So for golf trip you need personal liability, equipment cover and travel insurance with medical and cancellation, with golf-specific cover for clubs and hole-in-one bar expenses.
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