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.


Following the UK’s most recent national restrictions, you can only travel internationally or within the UK if you're legally permitted to do so while the UK is under full lockdown restrictions.

This means that, unfortunately, we’re unable to provide any new single trip price comparisons within or outside the UK, with a start date that falls within the national lockdown. You’re still able to purchase annual multi-trip policies, however, if you choose to travel against FCDO advice and current restrictions, you won’t be covered for your trip.

The Foreign, Commonwealth & Development Office (FCDO), currently advises British nationals against all but essential international travel. See latest FCDO advice for further information.

Any insurance policy purchased to cover a trip to a destination where the local authority, or the FCDO, has instructed citizens not to travel, will not be valid.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

On its Money Advice Service website, The Money and Pensions Service (MaPs) 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 the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

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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