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Will travel insurance cover popular beach trip activities?

Making sure your travel insurance covers you for your dream coastal city holiday

Noémi Hadnagy

May 17, 2022

There’s so much to enjoy about a picturesque coastal city holiday. Picture yourself having fun in the sun, taking a stroll through town and sightseeing, or enjoying some shopping and fine dining by the seaside.

That’s just the tip of the iceberg, of course. You could enjoy a variety of water sports, boating trips, cruises or special ticketed events like a concert or sports game. But you may be wondering: Will travel insurance cover you for all of your planned beach holiday activities?

It depends.

Check your travel insurance policy for included activities

Travel insurance can cover a variety of activities like walking, cycling, or playing beach volleyball. However, not all activities may be covered, especially more adrenaline-pumping activities such as snorkelling, scuba diving, parasailing or deep-sea fishing.

If these types of activities are on your to-do list, you may be able to pay for an adventure sports package which adds cover for activities not covered by your standard travel insurance policy.

You may also find that you won’t be covered for any incidents that occur while you are intoxicated – so keep that in mind if you intend on sipping a few cocktails by the beach.

Additionally, if you’re going on a cruise ship you can choose a specific cruise travel insurance policy to cover you if things go wrong (which hopefully they won’t) while you head out from a coastal city and sail the seas in style.

Whatever activities you are hoping to enjoy on your coastal getaway, it’s important that you select a travel insurance policy that best suits your itinerary and personal needs, and that you understand exactly what it covers. Additionally, choosing to add a specific type of cover such as snorkelling or cruise cover could be the difference between sinking or swimming!

What’s the best location for a coastal city holiday?

It can be hard to pick just where to go, and the destination can greatly impact what activities you get up when you go on holiday. If you’re struggling to choose a coastal city break destination for the summer, the travel experts at Compare the Market have ranked 35 beach cities from around the world on things like the availability of things to do, places to eat, and the local weather.

Before booking your next coastal city break, be sure to compare travel insurance so you can relax in the knowledge that you’re covered. Make sure that your travel insurance policy covers all the activities you want to do, like surfing or snorkelling, which can be popular activities at several of these waterside locales.

Doing a beach trip in Australia? Compare domestic travel insurance

Australia’s famous for great beaches. If you’re headed to the coast for a holiday, it’s important to consider domestic travel insurance. It can cover airfares, booked events, lost luggage and hire car excess so you can travel with confidence.

The best coastal city break destinations

The best coastal city break destinations

1. Dubai, United Arab Emirates

Taking the top spot when it comes to the ultimate combination of city and beach is the city of Dubai in the United Arab Emirates.
Dubai has become one of the world’s most popular tourist destinations and is home to a number of five-star hotels, many of which also have their own beaches.
In our ranking, Dubai topped the charts when it came to two factors: the average annual temperature of 27.6°C and the average annual rainfall (just 160 mm).

2. Dubrovnik, Croatia

Two cities are tied for second place, with the first being one of the smaller coastal cities on our list: Dubrovnik, in Croatia.
The city is located on the Adriatic Sea and is a major tourist destination, with the city itself being deemed a UNESCO World Heritage Site due to its outstanding medieval architecture and fortified old town.
Dubrovnik was a top-ranking city not just for the number of things to see and do (with 2,674 activities per 100,000 people), but also for the availability of restaurants too (1,487 per 100,000 people).

3. Valencia, Spain

The other city that ranked in second place is Spain’s third-largest city, Valencia, which lies on the country’s south-eastern coast.
Besides the long stretches of golden sand, Valencia is known for being a city of arts and science, and is home to attractions such as a planetarium, oceanarium and interactive museum.
Valencia scored highly across the board specifically when it came to the safety of its streets (74.64 out of 100) and average annual rainfall (456 mm).

The best coastal city breaks table

The best coastal city break for beaches

Hong Kong - The best coastal city break for beaches

Hong Kong – 41

Perhaps the most important factor when deciding where to go for a beach break is, of course, the number of beaches available to you, and the top city in this regard is Hong Kong.
While it might be better known as a bustling financial centre with towering skyscrapers, Hong Kong also has many great beaches to enjoy with 41 in total listed on Tripadvisor, more than any other city that we looked at.

The best coastal city break for things to do

Dubrovnik - The best coastal city break for things to do

Dubrovnik – 2,674 per 100,000 people

If you’ve had enough of beaches and want to do some city exploring,  the coastal destination with the highest concentration of things to do is Dubrovnik, Croatia.
The walled Old Town holds many landmarks and well-preserved buildings for tourists to see, including the baroque St. Blaise Church, Renaissance Sponza Palace and Gothic Rector’s Palace.

The best coastal city break for restaurants

Dubrovnik - The best coastal city break for restaurants

Dubrovnik – 1,487 per 100,000 people

Sometimes the food can be the best part about travelling, and coastal destinations are no different, often serving up local seafood dishes.
Again, it’s Dubrovnik that excels here, boasting the most restaurants per person and everything from fresh local seafood to high-end fine dining establishments.

The best coastal city break for warm weather

Dubai - The best coastal city break for warm weather

Dubai – 27.6°C average annual temperature

If you’re going to be relaxing on the beach, you want a destination where you’re guaranteed that the weather is going to hold out. The best city on our list in this regard is Dubai, which has an average annual temperature of 27.6°C.
The Middle Eastern city is situated in the desert; at the very peak of summer, it may even be too hot, but it makes for a great option for year-round sun.

The best coastal city break for clear skies

Dubai - The best coastal city break for clear skies

Dubai – 160 mm average annual rainfall

Another thing that’s sure to ruin a city beach break is a downpour of rain, but again, Dubai is the best city when it comes to making sure that you stay dry during your vacation.
Being situated in the Middle East, Dubai very rarely experiences rainfall, with most days being sunny and the city receiving an average of just 160 mm of precipitation throughout the year.

The best coastal city break for warm seas

Singapore - The best coastal city break for warm seas

Singapore – 29.2°C average annual sea temperature

If you’re planning on taking a dip in the ocean during your break, the temperature of the water is important, and the city which has the highest average sea temperature is Singapore, at 29.2°C.
Singapore has a tropical climate and temperatures are generally high all year round, although you’ll want to avoid the monsoon seasons from December to March and June to September.

The most Instagrammable coastal city break

Istanbul - The most Instagrammable coastal city break

Istanbul – 122.9m Instagram posts

Social media is a major source of travel inspiration, so looking at the number of posts of travellers sharing memories from destinations is a good way of gauging their popularity.
Here, Turkey’s capital of Istanbul takes the top spot, with over 120 million posts on Instagram mentioning the city in their hashtags.

The safest coastal city break

San Sebastian - The safest coastal city break

San Sebastián – 85.22/100 safety score

Of course, safety always has to be a consideration when travelling, and the city where you can be assured you’re the least at risk is San Sebastián, on the Bay of Biscay.
While no city can claim to be completely crime-free and you should always be on your guard, it’s good to know that crime rates in San Sebastián are lower than other cities if you’re planning on visiting.


We analysed 35 different coastal cities from around the world on the following factors, giving each one a normalised score out of 10 for each factor, before taking an overall average across each of the scores.
– Beaches listed on Tripadvisor as of February 15th, 2021
– Things to do listed on Tripadvisor per 100,000 population as of February 15th, 2021 (population sourced from City Population)
– Restaurants listed on Tripadvisor per 100,000 population as of February 15th, 2021 (population sourced from City Population)
– Average annual temperature, rainfall and sea temperature, all sourced from
– The number of posts on Instagram that mention the city using hashtags, as of February 15th, 2021
– Safety score out of 100, sourced from Numbeo

Brought to you by Compare the Market: Making it easier for Australians to search for great deals on travel insurance.