Evacuation - It is essential that you have a sufficient level of cover for possible evacuation by air. The very nature of surfing will mean you could be in far off and inaccessible places and if something goes wrong and you need emergency medical treatment. This is particularly true if you are surfing reefs in the Pacific Ocean!
Medical conditions - if you have any special medical conditions, you should always notify your insurer as some may be covered by your policy, but others may require specialist or extended cover.
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