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 Gift Ideas For Men 2019 - Buy A Present For The Male Diver

    Nov 13, 19 12:42 PM

    2019 scuba gift ideas for men. Check our suggestions of dive presents at all price points for the men in your life. Perfect for father, husbands, boyfriends...

    Read More

  2. Scuba Diving PopSockets - Grips For Your Phone & Tablet, Phone Holder

    Nov 12, 19 03:11 PM

    Scuba Diving PopSockets: Love scuba diving and your phone? These scuba themed PopSockets will show your love of diving. Great gift idea for any diver.

    Read More

  3. Gifts For Scuba Divers 2019: Moderately Priced Presents For Your Diver

    Nov 01, 19 09:25 AM

    Our 2019 picks for mid-range priced gifts for scuba divers. Whether it's a birthday, graduation or holiday such as Christmas, they are sure to love these gifts.

    Read More

  4. Guide to Getting Certified

    Oct 23, 19 10:26 AM

    I get alot of questions from people thinking about starting scuba diving. I have a complete guide for you and it is absolutely free. Find out what it takes to get certified in scuba diving - including…

    Read More

  5. Best Womens BCD 2019: Top Buoyancy Compensator Device For Females

    Oct 11, 19 06:33 AM

    Our picks for best womens bcd for 2019. Females have special issues when it comes to buying a buoyancy compensator device. See our choice for the ladies here.

    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

Scuba diving ebook course

Buoyancy Control

buoyancy control ebook

Air Consumption

air consumption ebook

Boat Diving

Boat diving ebook

Ear Equalization

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