Does beach club entry require insurance?
No. Insurance is optional but recommended for international visitors and water activity participants.
Are water sports covered?
Most standard policies exclude adventure activities. You'll need a specific activity rider for paddleboarding, jet ski rentals, etc.
What about theft or lost belongings?
Personal item coverage varies by policy. Check your provider's baggage and valuables limits.
How quickly can I get covered?
Most policies activate immediately upon purchase. Annual plans offer continuous coverage.
Can I claim for a cancelled booking?
Yes, if you purchase cancellation coverage. Check policy terms for eligible reasons.
What's the typical claim turnaround?
Most insurers process claims within 14-30 days with proper documentation. Complex claims may take longer.