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- What Is Dive Insurance?
- Why Do I Need Dive
- Is Travel Insurance
- Picking A Dive
- Where Can I Get Dive
- Frequently Asked
When you’re heading off on your next diving trip there’s something you don’t want to leave home without.
We’re talking about
Although it’s not specifically a
As a well-established travel insurance company, they provide fantastic travel insurance policies that include surprisingly extensive (and affordable!) coverage for several sports, including scuba diving.
So it’s great value for money!
But if you’d like to learn a little more about your options, we’ve assembled this guide to help you better understand:
- Why it’s recommended
- How to choose the best option for you
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DAN - Divers Alert Network
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Why Do I Need
Here’s the deal:
Medical emergencies as a result of diving are extremely rare. But when they do happen, they get very expensive, very fast. We all like to think that it’ll never happen to us.
But what if it does?
If you’re not insured, you’ll have to pay upfront for any treatment you need, which for most of us would be a big problem.
We’re not just talking about the big accidents.
Even small accidents can add up quickly. Hospital bills, extended accommodation, and rebooked flights home can lead to a very big credit card bill.
With serious diving emergencies, fast and effective treatment can mean the difference between a temporary and permanent disability.
Or even life and death.
Is Normal Travel Insurance Enough?
Scuba diving is not always covered by general travel insurance.
Even if it is, the coverage is generally basic and not adequate enough to fully cover you in a diving emergency.
Medical emergencies in diving need specialized care and should be treated by experts in the field.
That being said, there are a handful of travel insurance companies, such as World Nomads, that are able to offer a good level of coverage and support for recreational scuba diving. It’s also important to note that there are specific requirements for the coverage to apply and very much depend on the plan you choose.
Keep reading for more details on requirements and what to look for when choosing a plan.
Don’t get in the water without it.
Now you’re convinced that
Dive Insurance Policy
Or the simplest.
There’s a lot of jargon and fine print to wade your way through. But, because we care about you, we’ve put together a guide to help you pick your
First, let’s look at the criteria you need to consider when comparing
How Comprehensive Is The Coverage?
Look at the exclusions, aka the fine print.
There are a lot of variations between what is and what isn’t covered, and to what extent.
Is the coverage adequate enough to cover the most expensive treatments? Some policies are unlimited but others have upper financial limits on recompression therapy and emergency evacuation.
These can be the most expensive part of a diving accident. Make sure these are either unlimited or very large sums (think several hundred thousands of dollars).
Check that your
It’s not unusual for an injured diver to need to spend a week or more recovering abroad before being fit to travel home.
Are There Any Depth Or Gas Limits?
Double-check that the specific type of diving you plan to do is covered. Many basic
But what if you’re planning to dive with nitrox?
Or explore deeper than 30m?
If you are a certified wreck or cave diver then you may also need extra coverage for these activities.
Remember your insurance will only cover you for diving activities that you’re trained in. If you exceed your certification limits or fail to follow safety standards, you may find that your policy will not cover you in an
Are There Any Travel Time Restrictions?
It’s quite common for an insurance policy to cover you for a year, but only for trips of 90 days or less.
So, if you’re heading off on a world round trip you may find yourself out of cover.
Some have other restrictions on the number of diving days covered. If you’re only planning a one-off dive trip, you can also get short term coverage.
Direct Payment To The Treatment Facility Vs. Reimbursement
Direct payment is much better. You will receive treatment immediately without worrying about finding the money upfront.
Plus you’ll avoid the hassle of making claims and potentially waiting a long time for reimbursement.
What Extras Do You Want to be Included with Your
Trip cancellation or interruption
If you have your own scuba gear, then equipment coverage is a smart idea. All those toys are very expensive.
Plus if they’re lost, damaged, or stolen, you’ll want them to be properly insured. Very extensive insurance policies will even cover a flooded underwater camera!
Other extras that you can add to your
If I’m taking A Course, Do I still Need
For recreational diving courses, you sometimes have the option to purchase
This will cover you throughout the duration of the course. However, this is not always available so it’s best to contact the dive center ahead of time to confirm if this is possible.
Where Can I Get
We’ve put together a few of the most widely recognized insurance companies that offer specialized coverage for scuba diving.
The exact coverage and costs vary massively depending on your country of origin and the country in which you will be diving. So, it’s best to get a quote direct from the provider.
World Nomads is a general travel insurance company that also provides fantastic coverage for ‘riskier’ activities such as scuba diving.
They offer a variety of different plans depending on what you plan to do. It’s a great option for travelers looking to do some diving during their trip.
World Nomads general travel insurance with extended coverage plus gear protection provides great coverage for all scuba diving emergencies and equipment mishaps.
As with any insurance policy, there are specific requirements that must be met for the coverage to apply and depend on the plan you choose.
So double-check that you have added the extended coverage option and that you meet the requirements for your scuba diving activities to be covered.
- Straightforward signup
- Great pricing
- Very well known
- Claim process can be a little slow
- No dive specific medical hotline
- Permanent residence needed for US customers
Dive Assure are experts in diving-related emergencies and hyperbaric medical procedures offering extensive dive and travel insurance worldwide. Their tiered packages provide options for every diver, with no gas or depth limits on any packages.
Higher tiered packages give you higher financial limits on emergency travel expenses, lost dive gear, etc.
Dive Assure provides direct payment to your treatment facility as well as 24/7 access to dive physicians via their emergency hotline.
With over 30 years of experience in diving accidents, DAN is probably the most famous provider of
DAN offers 3 different tiered plans with a range of add ons available including; equipment cover, public liability, and general travel insurance.
There are no mileage restrictions on any plans and the upper-tiers offer unlimited medical and hyperbaric expenses.
A 24/7 emergency hotline with trained dive physicians is available to all DAN members.
Still confused about which
dive insurance to buy?
- What level of cover do you want?
- And how often do you plan to travel and dive?
Then remember to read all the small details:
- Are there any limitations on the coverage?
- Are you happy with those limitations?
- Can you add any extras you want covered?
- Do they provide 24/7 emergency support?
- Do they have expertise in diving related emergencies?
If you can answer yes to all of the above then you’re good to go!
While the price is important, it’s much more important that you’re properly covered.
Frequently Asked Questions
What’s the best
dive insurance for divers from the UK?
If you’re from the UK, all of the options above will work for you!
Whether you decide to buy
Do you have
Alexa Worswick is a PADI and SSI scuba diving Instructor, recreational freediver and freelance copywriter. She first learnt to scuba dive in the UK aged 15 and has since travelled and dived in multiple locations across 3 different continents. After quitting her marketing job in London in 2016, Alexa is now based in Indonesia where she can pursue her passion for the ocean fulltime.