Scuba Diving Insurance

Introduction To Dive Accident, Equipment
and Travel Cost Protection

While we all love scuba diving, we know it has its risks. Scuba diving insurance is essential to protect you in case something goes wrong during your scuba diving vacation.

Hopefully none of us will ever need to use that insurance, but we certainly don't want to know what will happen if we do need it and don't have it.

Exactly what type of scuba diving insurance and how much insurance you will need depends upon what type of insurance you currently have.

While it is not fun, you will need to check your policy to see what is covered under your current plan. Some plans exclude coverage for "risky" sports such as scuba diving.

So before you purchase any extra divers insurance, review your primary health insurance coverage to determine whether you are covered or not.

Since we are concerned with scuba diving travel insurance, see if your plan covers hyperbaric treatment and emergency air evacuation. Both of these are extremely expensive and you want to be covered for a worst case scenario.

Scuba diving insurance

Scuba Diving Travel Insurance

If your current policy does not cover scuba diving, you should purchase a separate scuba diving travel insurance policy.

Many of these are supplemental (or secondary) policies that specifically cover scuba diving accidents. As a supplemental policy, it covers those expenses that your primary insurance policy does not cover.

There are many programs out there to choose from so you may want to shop around.

(I give you an outline and policy details of some of the more popular scuba diving insurance plans on my scuba dive insurance provider page.)

Personally, we use Divers Alert Network (DAN) which I outline on our insurance providers page. We have never had to use it (thank goodness!) so I don't have experience filing a claim with them. And I hope this never changes.

Another thing to consider is that some foreign countries want proof of payment (or even payment) before you are able to receive care and/or leave the country or hospital. Proof of a dive insurance plan can sometimes satisfy this requirement.

Some scuba diving insurance plans can even advance money in certain cases.

Scuba diving insurance

Dive Gear Insurance

Scuba diving equipment insurance is another major factor to consider when taking a scuba diving trip.

Gear is not cheap and if you have a full set of scuba equipment, it can easily cost over $1,000+ dollars. You want this investment protected in case of damage, theft, loss or other circumstance.

Several of the plans from the various dive insurance provider include some diving equipment insurance.

Scuba diving insurance is their specialty and they realize many divers take their own gear.

Check each policy to see how much coverage it offers. If insurance for scuba diving equipment isn't included, you can purchase a separate policy to meet your needs.

For instance, while DAN offers limited diving equipment insurance on some of their policies, it partners with another insurance company to offer equipment insurance.

Scuba diving is a great sport but cheap it is not!

Scuba diving insurance

Which Dive Insurance Policy Is Right For You?

With all the scuba diving insurance programs to choose from, which is the best for you? Well, it depends. I know you don't like that, but unfortunately it is the truth.

It all depends on what type of insurance you currently have, what it covers, what type of diving you do, how much equipment you own, etc., etc., etc.

But when you do go looking for scuba diving travel insurance you should consider the following major factors to help make your choice easier:

  • Emergency evacuation and chamber coverage
  • Limits on lifetime maximum benefits vs. per occurrence benefits
  • Depth limitations
  • Covered accidents: scuba and non-scuba related
  • Coverage for family members
  • Equipment, travel interruption/cancellation insurance

Of course, there are other factors to consider when purchasing scuba diving travel insurance, but if you consider the above factors you should be in good shape. And most of all - let's hope we never have to use it!

Continue on to Part II - Dive Insurance Providers and Plans


Divers Alert Network


 Want to stay down longer and improve your buoyancy control and other diving skills? Our free report "Increase Your Bottom Time" along with our practical, weekly actionable tips will have you looking like a seasoned diver in no time. So come join us and see improvement on your very next dive!
(Click on the photo to join us now!)


New! Comments

Have your say about what you just read! Leave me a comment in the box below.

What's New

  1. Scuba Divers Life

    Dec 21, 17 09:27 AM

    It's a beautiful sunny day, birds are singing, colorful flowers pointing their faces towards the sun and a soft warm breeze touching your skin. I'm wondering..

    Read More

  2. It Is That Time Of Year Again!

    Nov 29, 17 01:01 PM

    Where does the time go? Another year has gone by in a flash. I hope you were able to get some good scuba diving in this year! While I didn't get much diving in, I was able to swim with whalesharks, se…

    Read More

  3. Happy Thanksgiving

    Nov 23, 17 07:49 AM

    Happy Thanksgiving to all my fellow Americans. May you have a day filled with family, friends, love and laughter!

    Read More

  4. New Additions to Our Collection of Scuba Diving T-Shirts

    Nov 09, 17 07:43 AM

    I have been having fun steadily adding to our collection of tshirts for scuba divers. Perfect for wearing on the dive boat or while traveling to that next dive spot. After all, you can't have too many…

    Read More

  5. Aqualung Regulator Check

    Oct 13, 17 06:13 AM

    Aqualung is concerned about a possible regulator gas flow failure during a dive with the Automatic Closer Device (ACD) yoke systems. Models involved in the check are the Titan LX ACD Yoke Regulators…

    Read More

Top of Scuba Diving Insurance

Go to main Scuba Diving Information Page

CONNECT WITH US ON FB!

scuba diving gift ideas

Our Full Dive Course

(Link goes to our other site, scubadivetips.com)

Scuba diving ebook course

Buoyancy Control

buoyancy control ebook

Air Consumption

air consumption ebook

Boat Diving

Boat diving ebook

Ear Equalization

Dive Safety

scuba diving safety report

See our choices for the best scuba equipment for any budget.


What you need to know (and ask) before you book a dive vacation package.


Travel Business