Whether you’re a seasoned scuba diving veteran or just a casual scuba enthusiast, exploring the world’s oceans can give you a brand new perspective on your destination.

Many of us have credit cards that offer fun travel perks like redeemable travel rewards, no foreign exchange fees, airport lounge access, travel insurance and more. If you’re reading this, you probably already know how important it is to protect yourself with travel insurance.

Surfing is one of those activities in which the picture-perfect backdrop of nature actively participates in the experience as much as you do; it’s no wonder why so many people are drawn to the sport. But as easy as some people make it look, surfing is not without its risks.