GoPro Insurance Coverage: Save Your Camera, Keep Adventuring 2025

GoPro Insurance Coverage

GoPro cameras are popular with adventurers, vloggers, and everyday users who want to capture important moments in life. Skiing slippers on a snowy slope, surfing on the sea, or even biking on rugged lanes, your GoPro is solid enough to deal with these tough conditions. However, accidents happen, and your camera may be broken, lost, or stolen, which is where GoPro insurance coverage comes into play. In this article, we explore GoPro insurance in detail: what it is, why you need it, what it covers, and how to choose the right one. We will explain it all to you in layperson’s terms so that you can make the right decision.

The question is, do you need insurance for a GoPro? Or how about “what can GoPro insurance protect against?” You’re in the right place. This post will cover all the details surrounding GoPro insurance, including what is offered by GoPro, third-party providers, and your own homeowners’ or renters’ insurance. You will also learn to protect your investment to capture epic moments without worry.

Why You Need GoPro Insurance

GoPro cameras aren’t cheap. Even the GoPro HERO13 Black will run you $400 or more, which doesn’t include mounts, batteries, or SD cards. Replacing your GoPro out of pocket can be painful if something happens while hiking or someone breaks into your car. If the worst happens, having insurance means you will not be left up a creek without a paddle.

So, here are reasons why getting GoPro insurance is smart:

• Shit Happens: GoPros are made to be rugged, but they’re not invincible. A drop from a cliff, a crash on a bike ride, or water, even in one of those supposedly waterproof models — your camera is dead.
• GoPros are small, portable, and a must-have, making them a strong target for thieves, especially when travelling and in other crowded places.
• Pricey Repairs: Getting a GoPro fixed is expensive; sometimes, buying a new one can be more affordable than paying for the repair.

Am I using my GoPro for more adventurous activities, such as skydiving or scuba diving, where it will likely be damaged or lost?

Insurance pays for repairs, replacements, and even accessories, depending on the plan. Think of it as a man’s bra; you can just sit back and enjoy it without the fear of losing your GoPro.

What Does GoPro Insurance Cover?

Coverage when insuring your GoPro will differ depending on the provider and the plan. We look closer at the common types of insurance and their coverage below.

GoPro PLUS Subscription

Availability of the GoPro PLUS subscription – GoPro’s GOAT protection plan (GoPro offers the Above Turnover protection plan) includes cloud storage, discounts for GoPro services, and camera replacement benefits for GoPro owners. So here is what you should know about GoPro PLUS:

• Camera Replacement No Questions Asked: If you damage your GoPro beyond repair, GoPro PLUS will offer a no-questions-asked replacement camera for a small fee (i.e., $99–$149, depending on your model). This includes damage such as dropping, water damage, or crashes.
• Coverage Limits: You can only replace the camera two times a year, which is generous for most users.
• Price: The subscription is $49.99 per year or $4.99 if billed monthly (as of 2025). This is cheaper than most third-party insurance plans.
• Other Benefits: Besides insurance, GoPro PLUS gives you unlimited cloud storage to back up your footage, 25–50% off accessories, and priority customer service.

Who’s it for? GoPro PLUS is perfect for those who use their GoPro regularly and want a seamless replacement process, along with added extras like cloud storage. It does not have full insurance coverage, but it is a good solution for accidents.

Third-Party Insurance Plans

For more extensive coverage, you can consider third-party insurance options like SquareTrade or Warranty & Insurance by Extend, or third-party insurances like AKKO that provide plans for specific types of electronics, such as GoPro cameras. The following is what these plans typically include: Coverage Type.

Specifically, Accidental Damage, which covers drops, spills, and other types of accidents that can damage your GoPro

• Theft & Loss: Unlike GoPro PLUS, third-party plans cover theft or loss.
• Mechanical failure: If your GoPro stops functioning because a part was made incorrectly, and it is after your regular warranty has expired, these plans could cover repairs or an exchange.
• Accessories: Some plans cover GoPro accessories like mounts, batteries, or cases.
• Global Coverage: GoPro PLUS can have global limitationsGoPro PLUS, and most 3rd-party plans, cover your GoPro globally.
• Price: Third-party plans generally cost between $20 and $100 annually , depending on coverage limits and the deductible. Deductibles (the amount you must pay out of your pocket before a claim is paid) are generally between $25 and $100.

Who’s it for? Third-party insurance would be more suited to users who require more extensive coverage (theft and/or loss coverage) or those who use their GoPro in risk-heavy areas.

Homeowners’ or Renters’ Insurance

Your existing homeowners’ or renters’ insurance on your GoPro might cover the personal property insured. Here’s how it works:

• Burglary and Theft: Most homeowners’ or renters’ policies insure your items stolen from your home, car, or while travelling.
• Accidental damage: While some policies cover accidental damage, this can vary between providers and plans.
• Deductibles: These  policies generally have higher deductibles ($500–$1,000) that are less relevant for a $400 camera.
• Submitting a Claim: When homeowners’ insurance is involved, the claim may take longer and cause your premiums to increase.

Who’s it for? If you currently carry a strong homeowners’ or renters’ policy and are in a situation where you do not want another plan, this is a solid choice. It is not customized for GoPros, so it might not provide full coverage.

Travel Insurance

Some travel insurance plans cover electronics like a GoPro used when travelling. These plans might include:

• Theft and Loss: Compensation if your cameras get stolen or lost on your trip.
• Accidental Damage – Coverage for drops or spills
• Coverage for Specific Trips: Most travel insurance excludes coverage of your GoPro year-round, which can be a dealbreaker.

Who’s it for? Travel insurance is more suitable for an everyday GoPro user looking for insurance for a specific trip, such as a ski trip or one that involves scuba diving.

Which GoPro Insurance Should You Choose?

Here is a quick comparison between the main insurance options for your GoPro to help you decide.

Comparing GoPro Insurance Options

To help you decide, here’s a quick comparison of the main insurance options for your GoPro:

Feature	GoPro PLUS	Third-Party Insurance	Homeowners’/Renters’ Insurance	Travel Insurance
Accidental Damage	Yes (2 replacements/year)	Yes	Sometimes	Sometimes
Theft/Loss	No	Yes	Yes	Yes
Mechanical Failure	No	Yes	No	No
Accessories	No	Sometimes	Sometimes	Rarely
Cost	$49.99/year	$20–$100/year	Included in policy	Varies by trip
Deductible	$99–$149 per replacement	$25–$100	$500–$1,000	Varies
Worldwide Coverage	Limited	Yes	Yes	Trip-specific

How to Choose the Right GoPro Insurance

Whether this is the best insurance for your GoPro will depend on your use case, the places you take your GoPro to, and your budget. Here are a few tips to help you make your decision:

• It’s best to weigh your options: If you’re taking your GoPro skydiving or travelling a lot, there may be third-party plans for theft and loss. For casual shooting, though, GoPro PLUS might be all you need.
• Examine Existing Policies: Review your homeowners’ or renters’ policy to determine if your GoPro is already covered قبل putting your money down on a new plan.
• Pay Attention to Your Wallet: GoPro ALL-IN-ONE is cheap , but for a reason. Third-party plans can provide additional coverage, but can come at a premium upfront.
• Consider Accessories: If you splurge on pricey GoPro accessories, an option that covers them is a plus.
• Look At The Small Text: Watch for out-of-pocket fees, capped limits to the coverage, and caveats not included (for example, prior destruction or willful use).

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How to File a GoPro Insurance Claim

Claiming is easy if your GoPro is broken, misplaced, or stolen ; however, the course differs by supplier. Here’s a general guide:

1) GoPro PLUS:

Step 1: Sign in to your GoPro account and file a claim on the GoPro PLUS portal.

Explain the damage and fill out the replacement fee.

Send your damaged GoPro to GoPro (they will send you a prepaid label).

Get a new one in a few days.

2) Third-Party Insurance:

Contact your provider (SquareTrade, AKKO, etc) through its website or customer service number.

• Send in proof of purchase and incident details.
• If applicable, pay the deductible.
• General how-to steps for repairing or replacing (a few providers may ask you to ship the damaged device).

3) Homeowners/Renters Insurance:

• Report ownership to your insurer (receipt) and police report (for theft).
• You will pay a deductible, which can be high.
• Approval might take longer than specialty plans.

4) Travel Insurance:

• If you buy travel insurance, contact your insurer and file a claim.
• This includes receipts or police reports in case of theft or proof of damage.
• This will depend on your trip policy and its specifics.

Tip #2: Always keep Your Used GoPro Condition and Receipts / Proof of Purchase. This ultimately speeds up the claims process.

How to Keep Your GoPro Safe Without Insurance

And if you are not ready for that step for an insurance plan, you can give GoPro protection with these tips for reducing the risk.

• Get Protective Equipment: Have a good GoPro case, lens protector, or a floating mount for water sports.
• Keep Your Camera Safe: Use a tether or wrist strap to prevent drops during risky activities.
• Stow It Safely: Stow your GoPro in a locked bag or safe when not in use, particularly during travelling!

Back up your footage- Back up your footage to your computer or upload it directly to the cloud. If something happens to your GoPro, i.e., Lost, Stolen, or damaged, you do not want to lose that once-in-a-lifetime memory.

Do not take calculated risks: Do not use your GoPro in extreme conditions that exceed its specifications, such as diving deeper than the water-resistance level.

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Conclusion: Protect Your GoPro, Capture Worry-Free

Like all cameras, your GoPro is a means through which it captures the moments in life that we live for. Whether scaling mountains, diving into the ocean, or simply recording family moments, GoPro insurance ensures you are covered in case the unexpected happens. From GoPro PLUS with its budget-friendly replacements to third-party plans with overarching coverage, there’s a plan for every user (including bank accounts).

Consider the type of environments and activities in which you use your GoPro and the use case to determine if you need the extra protection before you purchase a GoPro accessory. Explore your existing homeowners’ or renters’ insurance, compare third-party plans, or try GoPro PLUS for an easy option and a few bonus items. Choose wisely and never worry about damage, theft, or loss while shooting your epic moments.

Ready to protect your GoPro? Visit GoPro’s official site for details on GoPro PLUS or explore third-party providers like SquareTrade or AKKO for broader coverage. Capture the moment, and let insurance handle the rest!

Frequently Asked Questions: Whole Insurance for GoPro