Scuba diving travel insurance

Before you go scuba diving on holiday, it’s important to get the right travel insurance. Here’s how to find cover so you can enjoy your time underwater...

Before you go scuba diving on holiday, it’s important to get the right travel insurance. Here’s how to find cover so you can enjoy your time underwater...

Josh Daniels
From the Travel team
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Posted 18 NOVEMBER 2019

Do I need scuba diving insurance?

If you’ll be scuba diving on holiday, then you’ll need to get scuba diving insurance. To check whether a standard travel insurance policy includes cover for scuba diving, look under ‘Key Features’ to see if it’s listed among the activities covered. Levels of cover vary among providers, so always make sure a policy offers the cover you need before buying.


The travel traffic light system currently states that trips to green and amber listed countries are legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant government.

Please note: from 4am on 4 October 2021, the current traffic light system will be replaced by a single red list of countries.

Currently, if your destination of choice is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you are aware of any specific requirements relating to entry and ensure travellers from the UK are permitted. Countries can have their traffic light status changed with short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

The FCDO currently advises against all but essential travel to red list countries. Most insurance policies purchased to cover a trip to a destination where the FCDO has instructed citizens not to travel to won’t be valid, however, some insurance providers may offer reduced cover if you’re travelling for essential purposes. Should you have any queries, please check the policy wording, or contact your chosen provider before purchasing, to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland respectively.

Find out more here

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

What should I do if my travel insurance doesn’t include scuba diving?

If a standard travel policy doesn’t include scuba diving, you could:

  • Ask your provider if they’ll add cover for scuba diving to your policy, or
  • Look for a specialist policy, like water sports travel insurance

A typical water sports policy may include scuba diving, but be sure to check if there are any restrictions. For example, there may be a limit on how far down you can dive underwater. If you exceed this level (either intentionally or not), you may invalidate your policy.

There may also be a condition that you need an experienced guide for a dive, or that you must be accompanied for the cover to remain valid.

What else should I think about when it comes to scuba diving and insurance?

Make sure you have enough cover for your scuba diving equipment, including specialist clothing, in case it's lost, stolen or damaged. If your plans change while you’re away and you have any doubts that you’re still covered by your policy, speak with your provider to see if you can amend your cover level.

If you’ve any concerns around safety and scuba diving, the Divers Alert Network is a not-for-profit group who have a range of online resources.

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