Does travel insurance cover scuba diving?

We do not currently show quotes for specialised scuba diving insurance at MoneySuperMarket, but some of our travel insurers may cover it as standard or as an add-on.

Key takeaways

• Standard travel insurance might not cover scuba diving. If you plan to scuba dive during your trip, consider specialist scuba diving travel insurance.

• Be upfront about your experience level. Some scuba diving insurance policies may have limitations depending on your certification level

• Read the policy details thoroughly and pay close attention to what activities are covered under scuba diving and any exclusions that might apply

Scuba diving offers an unparalleled adventure, allowing enthusiasts to explore the vast and vibrant underwater world. From the mesmerising coral reefs and diverse marine wildlife to the enigmatic ancient ruins, the allure of the deep blue is undeniable.

However, diving into the depths is not without its costs and risks. Whether you’re a seasoned diver or keen to get started, you can benefit from having the right policy to protect yourself and your possessions.

Do I need special travel insurance for scuba diving?

It depends on the type of scuba diving you’re doing and where. You may be covered under a standard travel insurance policy but this isn’t always the case.

If not, you will need a specialist policy to cover you on your trip. Unfortunately, MoneySuperMarket doesn't offer cover for water activities including scuba diving but here we explain how this cover works and when you might need it.

Why is scuba diving insurance important?

Scuba diving trips come with a higher risk factor compared to your typical beach or city holiday. There are potential health-related dangers, as well as expensive equipment that could be damaged or lost. Hence, insurers will require you to take out extra cover, usually at a higher cost to accept the risk.

Do I need to tell an insurer if I go scuba diving?

Yes, it is crucial to disclose high-risk activities like scuba diving to your insurer. If you don’t declare activities like scuba diving and something does go wrong while you’re away, you’ll almost certainly not be able to claim. Medical costs can rise into the thousands, and facing such expenses without the right cover could be financially devastating.

What does scuba diving insurance typically cover?

The level of cover will vary depending on the insurer and the diver's experience. It is important to note that policies may not cover diving beyond the diver's qualifications. When searching for a policy, key points to look for include:

What additional travel insurance cover should I consider?

In addition to scuba diving-specific insurance, standard travel insurance protections should also be included. These can encompass:

• Baggage and belongings: including cash and important documents up to an agreed limit, if your items are lost, damaged, or stolen

• Medical costs: if you need to receive treatment for illness or injury while on holiday. Keep in mind you must declare all pre-existing conditions or you’ll risk voiding your cover

• Repatriation or transport to bring you back to the UK in an emergency

• Cancellation, curtailment, and holiday disruption, so you can claim reimbursement for your holiday plans if things don’t go as expected

Can I get scuba diving insurance while already abroad?

It might be possible to arrange additional cover by contacting your insurer directly or taking out a separate policy for the day. Certain reputable scuba diving companies might offer their own insurance policies, but it's wise not to solely rely on these.

Whatever option you choose, take the time to read the small print so you know exactly what is (and isn’t) included.

Can I get scuba diving insurance for multiple dive trips each year?

For those who plan multiple scuba diving holidays within a year, annual multi-trip insurance which includes water activities could be a cost-effective solution.

Such policies can cover either European trips or worldwide excursions, though specific policies may be required for destinations like the US, Canada, and the Caribbean.

Can I take out scuba diving insurance with pre-existing health conditions?

Individuals with pre-existing medical conditions should always consult their doctor before considering scuba diving, or any other high-risk activity. It's equally important to declare any such conditions when taking out travel insurance to ensure you are adequately covered.

If you don’t tell an insurer about a pre-existing health condition, this could invalidate your policy if you do need to claim. You may be charged a higher premium if you have a health condition but this doesn’t mean you won’t’ be able to find cover.

Does scuba diving insurance cover other water sports?

A comprehensive scuba diving policy may also cover a range of other water sports activities, including snorkelling, surfing, jet skiing, sailing, parasailing, and kayaking.

The exact cover will depend on the insurer and the chosen policy. It's advisable to obtain a complete list of covered activities from your insurer to ensure you know what's permissible during your trip.

Comparing travel insurance quotes

If you are looking for standard travel insurance quotes MoneySuperMarket can help you find great deals. Just tell us a little about yourself, your travel plans, and the cover you need. We’ll search the market for deals that meet your requirements. Once you find the one you want, just click through to the provider to finalise your purchase.