Am I covered by travel insurance if I'm scuba diving?
This information is for residents of Helpdesk Global only.
Yes, your policy can cover you to scuba dive abroad. You must choose the right level of adventure sport coverage, depending on what type of diving you are planning to do
What you need to do to be covered
If scuba diving is on your ‘to do’ list, simply add the correct ‘scuba diving’ activity to your list of adventure activities when getting your quote so you’ll be covered eg 'Scuba diving - to 30 metres' or 'Scuba diving - unqualified/learn to dive course' etc. Restrictions apply to certain diving activities - you may need to be certified or you may need to dive under supervision at all times , so be aware of this so you’re covered if something goes wrong
You must add all the adventures and activities you plan to try on your trip when you buy it. You won’t be able to make changes after your policy is issued.
How it works:
If you become seriously ill or injured while diving and need urgent medical assistance, we’ll cover:
- evacuation if urgent and medically necessary (by helicopter if medically necessary and available) to get you back to land and to the nearest medical facility
- 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 emergency medical assistance service; and/or
- repatriation home if you’re seriously ill or injured and unable to continue your trip.
If something happens to you, make sure you (or someone else) contacts the Emergency Medical Assistance Service immediately and remain in contact until you no longer require treatment or assistance.
Who pays for medical treatment depends on what’s happened to you and the necessary treatment required.
What’s not covered
The policy isn’t designed to cover everything. Take the time to read the terms and conditions 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.
Here are the main things that aren’t covered:
- any dive which takes you below your current qualification limits, or any dive which takes you below the scuba activity level you chose when buying your policy under any circumstances.
- anything mentioned in the General Exclusions
- Any on-going medical expenses once you return to your home country