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Travel Insurance when Scuba Diving

Simple and flexible travel insurance to keep you safe on your next dive trip.

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For information relating to policies purchased prior to 1 September 2021 12:00am UTC, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or after 1 September 2021 please see below.

Calm waters, crystal clear visibility and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers. Whether you're learning or you’ve done hundreds of dives, World Nomads travel insurance can help take the pressure off you and your family when the unexpected sinks your next dive trip.


World Nomads love Scuba Diving

As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala and more.

  • Recreational scuba diving (qualified divers to 30 or 50 meters)
  • Discover scuba dives (with qualified instructors)
  • Shark cage diving, cavern, cave and wreck diving (some plans only, check yours carefully)
  • Snorkelling, island escapes, live-aboard trips and more

You should note that travel insurance coverage for scuba diving varies between plans and once purchased, you can’t change your cover – that’s why it’s important to consider the kind of diving you plan to do on your trip and check the level of cover you’ll need before you choose your plan.

What’s covered - why buy travel insurance when going scuba diving?

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 coverage 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 center 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.
  • Sporting Equipment: Our policies may also provide cover for the theft or damage of sporting equipment (except while it’s being used or left unattended), or damage to sporting equipment by a common carrier. So if your fins, mask or scuba equipment gets damaged or stolen while in transit with a common carrier, you can make a claim. Terms, limits, conditions and exclusions apply so it’s worth taking the time to read more about this in your policy before heading overseas.

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..

If you are wondering eho 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.

Coverage varies depending on the dive and your level of experience. 

Coverage varies depending on the dive and your level of experience

Scuba Diving Certification

Conditions of Cover

Not certified

Cover to scuba dive under licensed instruction to a maximum depth of 30 meters.

Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only
Certified diver

You can dive to the depth that your license allows up to the limit specified in your plan

Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only.
Shark cave diving

Covered to a depth of 30 meters

Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only
Cave diving and
cavern diving

Covered to a depth of 30 meters

Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only.

Free diving

Covered to a depth of 30 meters

Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only.

Commercial diving

Not Covered

What’s not covered

You should note that all scuba diving activities have a number of special exclusions which apply. This means there is no cover available under our policies for:

  • Any unaccompanied dive;
  • Any dive for gain or reward;
  • Any dive which takes you deeper than your current qualification limits, or any dive deeper than 30 metres (or 50 metres if the appropriate additional premium has been paid) under any circumstances;
  • Personal Accident insurance cover;
  • 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;
  • Any other reason listed under the General Exclusions in your Policy Wording.

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

If you’re unsure of cover and have more questions, please contact us for help.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation before you leave home.

  • Explorer Plan: USD $10,000
  • Standard Plan: USD $5,000
Trip Protection
  • Unexpectedly hospitalized?
  • Dive buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Overseas Medical Insurance

Take the pain out of medical costs while traveling overseas.

  • Explorer Plan: Unlimited, up to 12 months
  • Standard Plan: USD $5,000,000
Emergency Medical Insurance
  • Stepped on a stonefish?
  • Got a serious squeeze?
  • Need 02 or hyperbaric treatment?

We’ve got your back.

Emergency Medical Transportation

We'll get you to hospital quickly.

  • Explorer Plan: USD $500,000
  • Standard Plan: USD $500,000
Evacuation and Repatriation
  • Sea-level medical evacuation?
  • Need an ambulance?
  • Med\rvac needed home?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: USD $3,500
  • Standard Plan: USD $2,500
Protect your gear
  • Go Pro stolen?
  • Bags lost in transit?
  • Luggage delayed?

Help starts here.

  • Overseas Medical & Dental Expenses
  • 24 hour Emergency Assistance
  • Emergency Medical Transport
  • Repatriation & Travel Expenses
  • Pre-Trip Cancellation
  • Trip Interruption
  • Resumption of Trip
  • Travel Delay
  • Missed connection (Explorer)
  • Hijacking (Explorer)
  • Baggage & Personal Items
  • Passport & Travel Documents
  • Personal Liability
  • Rental vehicle insurance excess (Explorer)
  • Personal accident (Explorer)
*This is a general summary for all residents except from USA, Canada, Australia, New Zealand, Europe, Brazil, China and Philippines. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)

Contact the team
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

World Nomads Travel Insurance was reviewed on Trust Pilot on 1st August 2017 and rated 4 stars

FAQ

Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.

What’s not covered

You should note that all scuba diving activities have a number of special exclusions which apply. This means there is no cover available under our policies for:

  • Any unaccompanied dive;
  • Any dive for gain or reward;
  • Any dive which takes you deeper than your current qualification limits, or any dive deeper than 30 meters (or 50 meters if the appropriate additional premium has been paid) under any circumstances;
  • Personal Accident insurance cover.
  • 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 ongoing medical expenses once you return to your home country
  • Any other reason listed under the General Exclusions in your policy wording

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

If you’re unsure of cover and have more questions, please contact us for help.