Scuba diving travel insurance
Take the plunge with travel insurance for your dive trip
Scuba diving becomes increasingly popular each year, as does scuba diving-related travel. Yet not every standard travel insurance policy provides coverage for scuba diving. In fact, you will likely need to add adventure sports coverage to your policy.
Dive in: what does scuba diving travel insurance cover?
Scuba divers can purchase a travel insurance policy that provides coverage for dives up to a maximum depth. The maximum depends on the qualifications of the recreational diver.
Qualified divers, meaning those who are certified by a recognized scuba diving authority like the Professional Association of Diving Instructors maybe covered for dives with a maximum depth of 40 meters (131 feet).
Unqualified divers, meaning those who are not certified by a scuba diving authority, are limited to depths of 30 meters (98 feet).
Even for qualified divers, participation in underwater activities maybe excluded if the depth exceeds 40 meters (131 feet).
For dive trips that qualify, travel insurance provides a wealth of coverage, including travel medical insurance, trip delay, and baggage coverage.
Top scuba diving destinations
It’s no surprise that the country right next door to the Great Barrier Reef is a top diving destination. The reef is so long you can see it from space, which means there are plenty of spots to explore.
Belize’s Blue Hole is undoubtedly one of the most iconic dive spots in the world. At 984 feet in diameter and more than 400 feet deep, this marine sinkhole was made famous by Jacques Cousteau himself.
While the country’s coastal areas offer a diverse range of diving opportunities, it’s undoubtedly the Hawaiian Islands that take the cake where US diving destinations are concerned. Tropical fish, seals, and sharks are abundant, along with humpback whales during the winter months.
As the home of the world’s largest archipelago, Indonesia is a dream destination for divers. You can discover incredible underwater landscapes that are home to more than 3,000 species of fish and 600 types of coral.
If you’re planning a dive trip, it’s important that you line up your scuba travel insurance ahead of time. You need to pack your diving mask, your wetsuit, fins, and depth gauge, but just as important as all of your equipment is a scuba diving insurance policy.
Good to know
What type of travel insurance is best for a scuba trip?
The best travel insurance policy is one that can provide both financial and medical coverage in case of an emergency or unexpected change of plans. With a comprehensive travel insurance plan in place, you can enjoy your trip knowing that you are protected, whether you need emergency medical coverage, a medical evacuation, trip interruption coverage, or equipment coverage if your gear goes missing.
Does my policy cover non-dive related accidents?
A travel insurance policy is more than just scuba diving insurance. In addition to dive coverage, it provides you with a wide range of benefits, from emergency medical expenses to trip cancellation coverage.
Does travel insurance cover my gear?
Your travel insurance policy includes coverage for your gear (and all your other baggage) if it’s lost, stolen, or damaged during your trip. You maybe reimbursed up to a preset dollar amount per your policy.
Am I covered for US-based recreational scuba diving?
A policy that covers scuba diving will generally provide coverage whether your diving destination is half a world away, or in your nearest ocean. For most policies, the insurance is valid as long as you’re at least 100 miles from home.
Is medical coverage included?
Any diver will tell you that scuba diving accidents are very real and a risk to be taken seriously. Luckily, your travel insurance may include reimbursement for necessary medical care you may need to seek as a result of injury or illness while traveling. Additionally, the policy may cover emergency medical evacuation in case of a serious dive accident — or any other medical issue that may arise while you’re traveling.