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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...

Patrick Ikhena
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.


On 02 October 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

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

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.

The Money and Pension Service (MaPs) has also 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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