Scuba Diving Travel Insurance
4 August 2015
We compare scuba travel insurance policies - which meet our criteria and which are best for deep diving, older divers, backpackers, families and others?
Anyone planning to dive when on holiday needs to be sure they are covered by their travel insurance. Many policies have a 30 m limit which is not always enough. Even if you don't plan to go deeper than 30 m there is always a chance you may overshoot, or circumstances dictate that you go deeper. We recommend always travelling with at least 40 m insurance cover. Your policy should also include:
- medical and health cover for an injury or sudden illness abroad
- repatriation to your home country should it be medically necessary
- 24-hour emergency service and assistance
- personal liability cover in case you're sued for causing injury or damaging property
- lost and stolen possessions cover
- cancellation and curtailment (cutting short your trip) cover
- cover for other outdoor activities that are commonly excluded from standard policies
- personal accident cover
- legal expenses cover
- financial protection if your airline goes bankrupt before or during your trip
We've found four travel insurance companies that offer insurance specially for divers, tick all our boxes and aren't prohibitively expensive: Columbus Direct, Club Direct, World Nomads and Dive Master Insurance.
(365 votes, 4.9/5)
Comparison of SCUBA Travel Insurance Policies and Providers
|Insurance Provider:||Columbus Direct||Club Direct||World Nomads||Dive Master Insurance|
|Max Depth:¹||40 m||50 m ²||50 m||no depth limits³|
|Max Trip Length:||60 or 365 days||60 or 365 days||18 months||31, 120 or 365 days|
|Dive Equipment Insurance:||to £500||to £400||to £1250||extensive dedicated policy just for kit insurance|
|Add diving onto existing insurance||yes||no||no||yes - even to insurance purchased from another provider|
|Country of Residence:||Most||UK only||Most||Most|
|Max Age:||85||79||Depends on country of residence||None|
|Good For:||Cheap||Also Cheap but with 50 m cover for UK residents||Backpackers||Adding equipment and SCUBA diving insurance to existing policies.|
|Details may change depending on your country of residence
¹Maximum depths assume you are qualified to that depth
²Choose Add Additional Sports and Activities.
³Dives over 80 m should be supported, and deeper than 130 m must be agreed with the underwriters.
World Nomads travel insurance is designed specifically for travellers who like to take part in all sorts of adventurous sports and activities, especially backpackers. They offer cover for diving down to 50 m, depending on your country of residence and qualifications. See below for more details of World Nomads.
The cheapest option with our discount codes (dependent on cover required) is Columbus Direct. A week's diving in Egypt for example, with cover for dives to 40 m, starts at just £12.92. Make sure you select the Adventure Pack option. For dives to 50 m, if appropriately qualified, their sister company Club Direct Travel Insurance is also very reasonable: choose "Add Additional Sports and Activities".
We have discount codes to use at Columbus Direct - for 5% off an annual policy use code TAGAM5 and for 2% off a single trip use code TAGST2.
Dive Master Insurance is different in that they let you buy stand-alone diving insurance to accompany your existing travel insurance. You can buy diving cover with no depth limits. (Dives over 80 m should be supported, and deeper than 130 m must be agreed with the underwriters.) They also offer dive equipment insurance - including for camera flooding - and dive professional insurance.
We believe the details we've given here to be accurate, but please always read the policy details at the insurers' web sites to confirm. Details may be different depending on your country of residence.
World Nomads travel insurance is available to residents of over 150 countries. It is designed for travellers who like to take part in adventurous sports and activities. Depending on your qualifications and country of residence, World Nomads offer SCUBA diving cover down to 50 m. Get a quote above and then see if you can upgrade your cover for adventure sports if you wish to increase your depth limit. (For the UK, for example, choose level 3 for scuba diving to 50 m.) Many other adventure activities are also covered. You can start and finish your trip pretty much anywhere. This is one of the reasons World Nomads policies are different from those of other travel insurance companies.
Five facts about World Nomads travel insurance
Cover for a range of adventure activities, including diving
Depending on your qualifications and country of residence, World Nomads offer SCUBA diving cover down to 50 m. Get a quote above and then see if you can upgrade your cover for adventure sports to increase your depth limit.
Many other adventure activities are also covered: such as parascending, shark cage diving to 50 m, rock climbing, kite boarding and hang gliding.
Flexibility when you need it most
Had a change of plans? You can extend your policy indefinitely or claim online while you are still away. You can even buy a World Nomads policy if you're already travelling.
Trusted reliable underwriters
WorldNomads.com is backed by a suite of strong, secure, specialist travel insurers who provide you with great cover, 24 hour emergency assistance and the highest levels of support and claims management when you need it most.
Value for money with the cover you need
WorldNomads.com provides cover for what's important for travellers from over 150 countries. By focusing on what you need and leaving out what you don't, World Nomads prices are some of the most competitive online.
World Nomads keeps you travelling safely
All WorldNomads.com members have access to up-to-date travel safety alerts.
Go to World Nomads
If you already have travel insurance, and just want to add diving to it, look at Dive Master Insurance. They will add cover for diving without depth limits (although dives over 80 m should be supported, and deeper than 130 m must be agreed with the underwriters beforehand). International diving emergency cover.
They also offer
- dive equipment insurance - this is for a year's cover worldwide and you can include flooding underwater cameras,
- technical diving insurance,
- dive professional liability insurance - indeed they guarantee to beat any like quote by 10%,
- club instructor liability insurance,
- dive trade insurance and
- boat insurance