Travel insurance is worth having for a trip to Fuerteventura, and the honest reason leans toward activity risk more than anything unusual about the island itself. This Canary Island off the coast of Morocco draws visitors year-round for its wind, and the same conditions that make Sotavento and Corralejo famous for windsurfing and kitesurfing are exactly what push a routine beach holiday into something worth insuring more carefully.
Fuerteventura has its own general hospital handling most routine and moderate care, but for complex or specialist treatment, patients are commonly referred to Gran Canaria, the larger island and regional medical hub for this part of the archipelago. Confirm your policy covers transfer between Canary Islands rather than assuming the island's own hospital covers every scenario, since that inter-island step is where distance and cost tend to increase.
Windsurfing and kitesurfing at Sotavento and the wider Corralejo coastline are genuine, well-known draws, and both carry real injury risk plus equipment loss that general travel policies sometimes cap or exclude; check that yours names watersports specifically rather than assuming a standard policy covers a kite lesson or board rental automatically. Fuerteventura's near-constant wind is a feature, not a rare event, so this is worth checking before you book a lesson or a board rental rather than after an injury already puts you in a clinic.
There is no sharp off-season here, since the island's dry, warm climate holds fairly steady year-round, so seasonal risk plays a smaller role than activity risk in this case, and the reliable wind is exactly what draws experienced riders back throughout the calendar. Keep any clinic paperwork, equipment-rental agreements, and receipts for treatment or lost gear if you need to file a claim, and check your policy's claims-notification timeline before you travel rather than assuming reimbursement is automatic afterward.