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Travel insurance when scuba diving

Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.

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Why buy travel insurance when going scuba diving?

This information is for British residents. 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 a range of dives from the tropical islands of Hawaii, to Sharm El Sheikh in the Red Sea, and the Yongala wreck on Australia’s Great Barrier Reef.

For Brits who love exploring the deep blue, we can make your next scuba diving adventure much easier by offering travel insurance to cover you for all levels of diving adventures, from novice to expert.

Types of Scuba Diving travel insurance may cover

  • Recreational scuba diving (qualified divers to 40 metres – an additional premium may apply)
  • Learn-to-dive courses or discover scuba dives (with qualified instructors)
  • Shark cage diving
  • Snorkeling, island escapes, live-aboard trips, and more

To buy the correct level of cover, consider the activities you know you'll be doing on your trip. For example: if you're going scuba diving at least once during your trip, you would consider the type of scuba diving you'll be doing, including the maximum depth, and whether you’ll need to be licensed as this may impact how you are covered by your travel insurance policy.

This policy covers conventional scuba diving only. You are limited to your current qualification limit, unless you’re with a qualified instructor, taking part in a recognised course requirement of your chosen Diving Association. To scuba dive without an instructor you must have one of the following current certifications:

  • A P.A.D.I. (Professional Association of Diving Instructors)
  • S.A.C. (British Sub Aqua Club)
  • SAA (Sub Aqua Association)
  • M.A.S. (Confederation Mondiale Des Activites Subaquatiques) or equivalent internationally recognised qualification and follow the relevant association, club or confederation rules and guidelines at all times.

Travel Insurance Tip: scuba diving requires a lot of training and planning; if you don’t take every precaution you could be at risk of accidents such as decompression sickness (DCS) the ’bends’, arterial air embolism, and drowning. If you don’t have a recognised qualification, you must ONLY dive under the constant supervision of a properly licensed diving instructor and follow their rules and instructions at all times.

Cover for your scuba diving gear

To find out more about scuba diving coverage for British travellers, please check out our Help Centre article on how our travel insurance for scuba diving  works.

Also, because we know that Scuba diving equipment, such as scuba tanks, fins BCD and regulator, underwater film and photography equipment, can be expensive, we also offer cover for high-value items.

If your baggage and scuba diving gear is delayed, lost and/or damaged by a common carrier, you must report the incident as soon as possible to a responsible officer for the carrier. Get a Property Irregularity Report, or a similar official report, in writing and make a claim directly with the carrier before making a claim on this policy. Your coverage will vary according to whether you choose a Standard or an Explorer plan. Read your policy wording for details on maximum benefit limits and exclusion and conditions of your coverage.

What's not covered?

We understand that accidents under water happen, especially if you’re only a beginner.  However, we won’t cover you if you do something reckless. Some things we may not cover include:

  • If you decide to scuba dive while under the influence of alcohol or drugs (Not a good idea!)
  • Competition scuba diving
  • Search and rescue costs
  • If you refuse to be repatriated or evacuated
  • If you do something reckless
  • If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance team advise you to do
  • Any expenses that relate to a pre-existing medical condition, as explained in the policy wording
  • Expenses that can be recovered from another source
  • The policy excess or co-pay amount as shown in the policy wording

This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered.

If you are unsure about your level of travel cover please contact customer service for help.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: £5,000
  • Standard Plan: £3,000
Trip Protection
  • Unexpectedly hospitalised?
  • Dive buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical costs.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Emergency Medical Insurance
  • Stepped on a stonefish?
  • Got a serious squeeze?
  • Need 02 or hyperbaric treatment?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital pronto.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Evacuation and Repatriation
  • Sea level medical evac?
  • Need an ambulance?
  • Medivac needed home?

Help starts here.

Protect your gear

Cover your lost, stolen or damaged gear and tech.

  • Explorer Plan: £2,000
  • Standard Plan: £1,000
Protect your gear
  • Go Pro stolen?
  • Bags lost in transit?
  • Luggage delayed?

Help starts here.

  • Emergency Medical Expenses
  • Baggage & Personal Belongings
  • Cancellation
  • Trip Curtailment
  • Personal Accident
  • Loss of Passport or travel documents
  • Personal Liability
  • Legal Expenses
This is a general summary for United Kingdom residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.
Customers with pre-existing medical conditions

You can still purchase a World Nomads policy if you have a Pre-Existing Medical Condition (PEMC) – whether it is serious or not – but we won’t cover any claim/s made by any traveller under the policy as a result of this condition (this includes if you’re on separate or joint policies). This exclusion can’t be removed from the policy.   

The Money and Pensions Service (MaPS) has a travel insurance directory on its Money Advice Service website, or you can contact the service on 0800 138 7777. This service provides details on what may be considered a PEMC, and travel insurance providers that may cover serious PEMCs, which may assist travellers wanting cover for these conditions. 

24/7 emergency assistance

If you need medical assistance or emergency medical evacuation our team is 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?

For policies purchased on or after 1 September 2021:
+44 (0) 2030931750 (Call via an operator reverse charges. Not toll free.)

For policies purchased before 1 September 2021:
Phone: +353 21 237 8005 (Call via an operator reverse charges. Not toll free.)
Phone: +61 2 8263 0470 (Call via an operator reverse charges. Not toll free.)

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


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

  • Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
    It will depend on the situation at the time of the medical emergency! Should you require hospitalization and/or medical evacuation the insurer will work directly with the hospital and evacuation services on your behalf. They work very hard to ensure you do not have to pay out-of-pocket. However, should you require to visit an urgent care facility they will not accept any insurance, so you most likely will have to pay out of pocket and, upon your claim being approved, be reimbursed for your expenses.