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Sailing Travel Insurance

JS Travel Insurance provides coverage whilst sailing (within Territorial Waters) if you require Medical or Search and Rescue due to illness or any accidents that happen when you are Sailing. When getting Travel Insurance (Sailing), you can also select one or more of the following:  Sailing / Yachting / Motor Cruising (Outside Territorial Waters) Sailing /…

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JS Travel Insurance provides coverage whilst sailing (within Territorial Waters) if you require Medical or Search and Rescue due to illness or any accidents that happen when you are Sailing.

When getting Travel Insurance (Sailing), you can also select one or more of the following: 

  • Sailing / Yachting / Motor Cruising (Outside Territorial Waters)
  • Sailing / Yachting / Motor Cruising (Ocean Crossings)
  • Sailing / Yachting / Motor Cruising (One Leg of a Round The World Race)
  • Sailing / Yachting / Motor Cruising (Racing Inside Territorial Waters)
  • Sailing / Yachting / Motor Cruising (Round The World Trips)
  • Sailing / Yachting / Motor Cruising (Flotilla Sailing - Tour Operator Organised)

To contact us by telephone or email, 0800 043 0020 / 01273 092 757 support@jsinsurance.co.uk

Summary of Cover (per person)

Section & Cover Silver Gold Platinum
Emergency Medical and Repatriation* £5,000,000 £5,000,000 £5,000,000
Search and Rescue* £25,000 £50,000 £50,000
Cancellation or Curtailment* - £3,000 £7,500
Personal Baggage* £500 £2,500 £3,500
Activity Equipment £1,500 £1,500 £1,500
Valuables* £250 £250 £500
Loss of Passport* - £300 £500
Travel Delay - £300 £1,000
Trip Abandonment* - £3,000 £7,500
Missed Departure / Connection - £500 £500
Legal Expenses* - £25,000 £50,000

*Excess payables vary depending on the claim benefit.

Please read the Policy Wording for the complete list of Benefits.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorized and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, approved by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorized and regulated by the Financial Conduct Authority under No. 306205.

Sailing Travel Insurance FAQs

1. What happens if I get seasick and cut my trip short? Will I be covered for this?

If you became ill on board and had to be treated in a hospital or clinic, you would be covered for the Curtailment of your trip.

2. What happens if I injure myself before the trip and can no longer travel? Will cancellation cover me?

All Gold and Platinum policies will cover you for cancellation before you depart from your home.

3. What happens if I get injured on the sailing vessel while onboard? How does the Travel Insurance policy cover me?

You are covered for any required medical treatment and Search and Rescue if necessary.

You are also covered for Repatriation back to your home country if you require further treatment.

4. What happens if the weather conditions are not appropriate for Sailing during my trip and we cannot set sail?

Our Travel Insurance policies are not set up for this eventuality.

You should check with whoever is organizing the Sailing trip to see the situation in these circumstances and if there is any compensation for the lack of Sailing on a trip or a particular sailing day.

5. What is the difference between a Travel Insurance Policy that covers Sailing and Catamaran Sailing?

The main difference is the type of Vessel you will be sailing on. A Catamaran is a specific type of Vessel.

A Catamaran is a multi-hulled watercraft featuring two parallel hulls of equal size. It is a geometry-stabilized craft, deriving its stability from its wide beam rather than from a ballasted keel as with a monohull sailboat.

6. Does this sailing cover include Tall Ship Sailing? 

This policy doesn't include Tall Ship Sailing; however, we do cover Tall Ship Sailing, whether within territorial waters or outside, as well as Tall Ship Racing.

Please learn more about it in our Tall Ship Sailing Travel Insurance blog.

7. What happens if my Personal Belongings get stolen from the Sailing Boat? Am I covered under Personal Baggage?

You will be as long as the items in your Baggage have been securely stored away and in transit.

The cover includes loss, theft, and damage to your Personal Belongings.

8. What is the age limit for a JS Travel Insurance Policy for Sailing?

The age limit on our JS Travel Insurance policies is 65. However, we can provide policies for people of any age, and you will need to contact us for a quote.

9. Does this policy cover my crewing my sailing boat? 

Yes, this policy will cover you crewing your boat if you hold an appropriate crewing licence and the same if you are the Skipper. 

We can cover you on a Single Trip or an Annual Multi-Trip basis.

10. Does this policy cover me if I am doing a Chartering Sailing Course? 

Yes, this policy will cover you medically while participating in your Chartering Sailing Course.

This policy does not include coverage for any Pre-paid Activity Course Fees if you have to cancel or curtail your trip; however, we do have a provider, Adventures, who can cover this. 

Additional Questions:

What's the difference between inside and outside of Territorial limits?

All countries fall outside of Territorial waters sailing if you sail beyond the territorial waters point, different jurisdictions of the laws apply: 

Inside territorial limits (12 nautical miles | 13.8 miles | 22.2 kilometres from shore/baseline):

When you are sailing inside a country's 12 nautical miles territorial limit, you are subject to the laws of that country, be that:

  1. Customs

  2. Immigration

  3. Sanitary regulations.

Outside territorial limits (Outside of the 12 nautical Mile point) 

When sailing outside of the 12 nautical mile point, you are subject to the laws of your country and the laws of the United Nations Convention on the Law of the Sea (UNCLOS)

You are free to sail without interference from the coastal state as long as you obey the nautical rules of the UNCLOS.

How can I reduce the risk of seasickness?

There are several ways in which you can reduce the risk of seasickness.

  • Be well-rested before setting sail.
  • Take antiemetic drugs.
  • Talk to your doctor about which medications are best for seasickness.
  • Fresh air.
  • Request a cabin mid-ship and near the water line.
  • Eat a simple snack.
  • Wear an acupressure wristband.
  • Avoid stimuli that can trigger nausea.
  • Choose your itinerary carefully.

Does this policy cover Personal Liability?

Our policies do not cover personal liability as you are on a sailing vessel.

Sailing Annual Multi-Trip Benefits

If you are a skipper of your sailing boat or go on multiple sailing holidays per year, then an Annual Multi-Trip policy may be a better option. Benefits of having an Annual policy:

31-Day Maximum Trip Length Days: Our Annual policies will allow you to do unlimited Sailing for up to 31 days at a time per trip. 

More flexibility: An Annual policy allows you to sail when you want to, and if your sailing schedule changes frequently, you have a policy to accommodate change. You also do not need to keep taking out a single approach per trip or change dates on your policy.

Peace of Mind: An Annual policy gives you peace of mind. You can book multiple trips, and you will be covered for Medical and Repatriation, Search and Rescue cover, and more.

Cost Effective: If you have two or more sailing holidays planned in one year, having an Annual Travel Insurance policy, including your Sailing, can often work out more cost-effectively.

Popular Locations 

Here are the most popular locations for our customers. Croatia and Greece are the most popular countries for JS Travel Insurance customers to go Sailing.


www.nautilusyachting.com/french-riviera.html - Nautilus yachting offers a 7-day French Riviera sailing experience. You sail from Les Mimosas to Ile Port-Cros, discovering unspoilt islands, rugged inlets, and sandy beaches - side by side with the resorts of Cannes, Nice and Monte Carlo.

Plus, St. Tropez with its famous clock tower, picturesque cobbled streets and collection of designer boutiques.


www.sail-croatia.com - Sail Croatia recommends three different Adriatic sea sailing experiences, all one week long. You can sail from Split to Solta or Bobovisca, and all trips will return to Split ACI Marina.

You will uniquely explore Croatia by passing through many islands and small towns such as Stari Grad and Vis. You will stop to relax, swim and snorkel.


www.greeksails.com - Sail the Cyclades Islands with Greek Sails. On this trip, you will sail from Vourkari (Kea) to Port Los (Los); along the way, you will visit the small Greek Islands with stunning scenery.

Greek sails offer several activities, such as cheese and wine tasting, snorkelling, and swimming.

Canary Island

www.canarysail.com - Canary Sail offers a 2-week 7-island sailing cruise which combines the Eastern and Western islands. "Best of the West" includes resorts such as Santa Cruz, Tazacorte in La Palma, El Hierro and Valle Gran Rey on the west coast of La Gomera.

“Gems of the East” include Santa Cuz de Tenerife, Rubicón - Lanzarote, Morro Jable - Fuerteventura, Puerto Mogan/Las Palmas - Gran Canaria. You will return to Tenerife. Couples, Families and small groups are all welcome.


www.sailitalia.com/en?lingua=en - Sail the stunning Amalfi coast, visiting Sorrento, Positano, Amalfi and more; on this trip, you will sail the beautiful 50-kilometre stretch of mountainous coastline situated on the Sorrento peninsula.

The coastline is dotted with small picturesque villages and towns stacked steeply on the mountains.

Sailing Holidays

Due to destinations and weather conditions, all sailing holidays are different; from Sailing the famous French Riviera to island hopping in Greece, all Sailing Companies offer unique services.

Most companies offer services for families and groups; everyone has their separate dorms unless requested to share.

A private Charter is famous for avid sailors or couples wanting a romantic trip.

Top 3 Booking Facilities for Sailing Holidays




Classic Sailing

Common Accidents whilst Sailing

Many accidents, such as cuts and bruises, can be treated while on board a Sailing Vessel. You should always check that there is a First Aid kit on board and that it is fully equipped.

If you are crewing, the most common injuries occur when there is a lack of communication with the other crew members.

Vessels are designed such that there are often objects and equipment you can not avoid; there are many things you can trip up on.

Suitable footwear is essential; deck surfaces can be slippery, and you can injure yourself while carrying out any task required on board.

When hatches are not being used, make sure they are securely closed.

Spinnaker Pole ensures it is stored away and out of harm's way when it is not in use or needed.

How to avoid this:

  • Keep your eyes open.
  • Ensure there is good communication on board.
  • One hand for you, one hand for the ship.
  • Wear a life jacket.

Reduce risk by:

  • Practising before you set sail
  • Get Gloves, prevent burns and injuries and keep you warm when sailing in the cold.

Head Injuries

Tacking, jibbing, and getting hit in the head are common and harder when winds are powerful. Again, Practice, helmets, and padded spars will help reduce the injury.

How to prevent Head Injuries:

  • Sailing smaller boats, wear a helmet.
  • Look at padding the end of the boom.
  • Good communication on the ship about upcoming manoeuvres.

Back Injuries

You are hunched over a lot when Sailing can put a lot of strain on the back, especially on larger boats. On the smaller sailing boats, it's more your thighs and knees. Get fit before you go, and do plenty of stretching.


This is a serious issue and is strongly related to Skin Cancer. You must apply lots of sunblocks regularly. Wear a sun hat for prolonged periods: there is no shade. What with the sun shining off the water makes it even more potent in intensity.

Find out more about Avoiding sailing deck injuries

Gap Year Sailing



Pre-Existing Medical Conditions

We can provide you with a policy if you have pre-existing medical conditions and plan to participate in Sailing

Our provider (Adventures) can offer travel insurance, including Sailing, if you have a pre-existing medical condition.