Am I covered by travel insurance if I'm scuba diving?

Yes! We can offer you a policy for your next scuba diving adventure.

If you plan to go scuba diving at least once during your trip then select the type of scuba diving you'll be doing and the depth e.g 'Scuba diving to 50 meters'.

What's covered

Scuba Diving CertificationConditions of Cover
  Not certified   Cover to scuba dive under licensed instruction to a maximum depth of 50 meters
  Certified diver   You can dive to the depth that your license allows up to a maximum depth of 50 meters    
  Shark cage diving   Covered to a depth of 50 meters
  Cave diving and cavern diving   Covered to a depth of 50 meters
  Free diving   Covered to a depth of 50 meters
  Commercial diving   Not Covered
  Work as a dive instructor   See Article ' Am I covered while working during my trip'

Our policies may also provide cover for the theft or damage of sporting equipment or damage to sporting equipment by a common carrier. So if you’re fins, mask or scuba equipment gets damaged or stolen while in transit with a common carrier, you may be able to make a claim. Conditions apply so it’s worth taking the team to read more about this in your policy before heading overseas.

How it works

While cage diving in Hawaii or scuba diving in the Great Barrier Reef may be number one on your “To-Do list’, we know that things can go wrong from time to time. That’s why we’ll assist you with cover if you become seriously ill or injured while diving and need urgent medical assistance. This includes:

  • Evacuation: if it’s urgent and medically necessary (by the most appropriate means whether by road, sea or air when necessary and available).
  • Emergency medical expenses: for treatment at the hospital or local medical centre including decompression treatment if agreed as medically necessary by your treating doctor and our medical specialist.
  • Repatriation: We may offer you a ride back home if you’re seriously ill or injured and unable to continue your trip.

If you’re in need of a medical evacuation, repatriation or if you’re admitted to hospital, you or someone with you must contact the 24/7 Emergency Assistance team immediately. Our emergency team can arrange and pre-approve all expenses.

If you are wondering, Who pays for medical treatment, (and by this we mean either you pay upfront and claim later, or we pay) it depends on what’s happened to you and the necessary treatment required.

Also be aware that any medical claim or sporting equipment claim submitted will have a policy excess deducted per person, per claimable event.

What’s not covered

Here are the main things that aren’t covered:

  • Any dive which takes you below your current qualification limits or any dive below 50 metres under any circumstances. (Don’t go diving down to have a closer look at the Titanic please!)
  • Any unaccompanied dive or any dive for gain or reward.
  • If you act with disregard for your own safety, gross negligence or actively engage in any illegal act.
  • Search and rescue under any circumstances.
  • Any on-going medical expenses once you return to your home country.
  • Anything else that's listed in the exclusions on the policy.

The policy isn’t designed to cover everything. Take the time to read the terms and conditions, limitations and exclusions in the Product Guide for full details on what is and isn’t covered. That way there are no surprises if you need to use it.

If you are unsure of cover, please contact us for help.

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