Understanding Scuba Diving Insurance

Should Scuba Diving Insurance Be Part Of Your Next Trip?

For many travelers, it’s not the call of city streets which motivate them to traverse the globe. Instead, the spectacular beauty of the ocean beckons. It offers a world all its own, with so much to explore under the sea. With scuba diving, travelers have a chance to do just that – to discover an enchanting underwater world while building unforgettable travel memories. Scuba isn’t an activity to take lightly though. Even experienced divers know that you always face potentially serious risk. Here’s what scuba-inspired travelers need to know about scuba diving insurance when they’re planning their next trip.

Scuba Diving Insurance Versus Other Options

Frugal travelers may wonder if they need scuba diving insurance or if they would be better off with either extreme sports coverage or a very comprehensive general travel medical insurance package with a sports rider that covers Scuba. Choosing the most prudent plan really hinges on a number of factors. For example, are you planning on diving below a depth of 30 meters? Thirty meters is the magic number on which insurance plans rely to draw the line between recreational activity and extreme sports participation. Speak with your holiday dive center to get technical information about the depths of the dives. Pass this information along to your insurance provider so you can work together to find the best plan for you.

Review: Extreme Sports Insurance Plan

Diving Certifications Pay Off in More Ways Than One

Another consideration is whether or not you hold an internationally recognized diving certificate through PADI, SSI  NAUI, or another similar organization. Travelers can learn to scuba through independent programs, but the international recognition that comes from PADI, NAUI, and the like offers standards that insurance companies rely on. Be prepared to provide proof of certification for many scuba diving insurance plans or to be directed to extreme sports insurance if you don’t have it.

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What Does Scuba Insurance Cover

Remember that most scuba diving insurance covers participation in the sport at a recreational level. If you’re doing something different, such as cave diving or wreck exploration, you’ll have to have a discussion with your insurance provider about what’s included in your coverage. If you’re traveling to learn a new diving skill, make sure your insurance coverage protects you for both your current level of certified recreational diving and the more advanced diving you’ll participate in once your course is complete.

Does Travel Insurance Cover SCUBA Diving?

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Many divers dismiss scuba diving insurance as an unnecessary level of coverage because they don’t consider their recreational diving to be all that adventurous. It’s hard to imagine the need for a hyperbaric chamber or an emergency airlift when you’re gently waving at a fish off the Great Barrier Reef. A good scuba diving insurance package, however, will also cover you for less catastrophic, more common medical emergencies. Those emergencies may include a broken ankle from slipping on a boat deck or a horrible coral cut that requires serious stitches and antibiotics. A good insurance program will bring you peace of mind (and very practical assistance) for both large and more modest emergencies.

Protect All Aspects of Your Scuba Experience

Finally, consider supplementing your insurance with trip cancellation and gear protection insurance. If you’re traveling specifically for diving, and something happens  – to you or your destination – that prevents you from diving, you’ll want to be compensated for a vacation that truly isn’t going to happen. Likewise, if you travel with your own custom gear, such as an expensive wetsuit, double check that it’s within the reimbursement limits of what the airline and your standard travel insurance will cover.

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Best SCUBA Diving Insurance Plan
Patriot Travel Insurance with Hazardous Sports Rider to Include SCUBA:

Patriot Travel Medical Insurance

  • Short-term travel medical coverage.
  • Coverage for individuals and dependents.
  • Freedom to seek treatment with hospital or doctor of your choice.

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Plan Details

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Read: The Patriot Plan offers the following rider: Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snowboarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.  All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.