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Travel insurance in Europe and Worldwide for trips where you will be participating in surfing.
Surfing is a demanding sport, there is a lot of paddling and if you need to be reasonably fit just to get to the waves, know your limitations here as severe rips and currents can be dangerous if you are not fit.
The sport is growing in popularity so therefore accidents are more likely to happen on crowded waves. Further surfboard technology has really advanced so they are quicker and turns are sharper.