Scuba Diving Travel Insurance Cover
Protect your underwater adventures with scuba diving insurance cover
Do you enjoy scuba diving holidays? Or maybe you want to learn to dive on your next trip?
Whether you’re planning on exploring the ocean on an international scuba diving trip to the likes of Belize, Thailand, or Hawaii, or in our own Australian underwater wonderlands (think: Great Barrier Reef, Lord Howe Island, or Ningaloo Reef), scuba diving can be a magical experience.
However, sometimes the unexpected occurs on adventure holidays. To help protect your trip from unforeseen incidents, consider protecting your holiday with scuba diving travel insurance cover.
At Cover-More, we can help protect your next underwater adventure with travel insurance cover for you and your scuba diving equipment*.
Ready to get a quote for your scuba trip? Get one online now or keep reading to learn more about the importance of diving travel insurance.
Skip ahead to read:
- Why do I need scuba diving travel insurance cover?
- Does Cover-More offer diving travel insurance cover?
- Can I get dive insurance cover for Australia? Or only overseas?
- Does Cover-More travel insurance cover my scuba equipment?
- What does Cover-More travel insurance consider to be “scuba equipment”?
- What assistance does Cover-More travel insurance offer for my dive holiday?
Why do I need scuba diving travel insurance?
Before you (scuba) dive headfirst into an underwater holiday, it’s important to consider adequate cover for your adventure.
Scuba diving can be risky, so it’s important your trip insurance includes cover for your planned activities. If it’s not, you could be left picking up the bill if an accident or injury occurs.
Travel insurance with scuba diving cover could help cover any unexpected overseas medical costs or additional expenses associated with your dive, plus amendments or cancellation costs for prepaid scuba diving activities.
When comparing scuba diving travel insurance cover, it’s important to understand if scuba diving is an automatically covered activity or if you need to take out additional diving travel insurance to be covered. Pay special attention to the conditions surrounding the cover, too, such as maximum ocean depths and whether a qualified diving instructor needs to be in attendance.
Does Cover-More offer diving travel insurance cover?
At Cover-More, we know our customers love adventure-filled holidays. This is why we offer varied levels of scuba diving cover so you can find the best scuba diving travel insurance cover for you.
Cover option 1
We automatically include 80+ adventure sports activities in all our domestic and international travel insurance plans and this includes scuba diving.
If you plan on diving up to a maximum of 30 metres with a diving school or qualified instructor, this automatically included option may be suitable for your holiday.
Cover option 2
Are you planning a more advanced dive? If you’re diving to a maximum depth of between 30-50 metres below the surface, you will need to include our Adventure Activities Cover in your policy for our scuba diving travel insurance cover to apply.
However, this scuba diving cover will only apply if you are diving under the direction of an accredited dive marshal, instructor, or guide, or, if you are qualified, you are diving within the guidelines of the relevant diving or training agency or organisation and not diving alone.
The relevant scuba diving qualifications for our Adventure Activities Cover are:
- BSAC Sports Diver – 35 metres
- BSAC Dive Leader – 50 metres
- PADI Advanced Open Water – 30 metres
- PADI Dive Master – 40 metres
- PADI Deep Dive Speciality – 40 metres
- SSI Advanced Open Water – 30 metres
- SSAC Sports Diver – 35 metres
- SSAC Master Diver – 50 metres
Cover option 3
If you’re a seasoned scuba diver and want to bring your own scuba equipment on your holiday, our Adventure Activities+ Cover can provide cover for the same diving criteria as per our Adventure Activities Cover above plus includes bonus cover for your equipment.
For more information on equipment cover, see our scuba equipment question below.
Please read the PDS for full details and conditions on our scuba diving travel insurance cover before deciding if its suitable for you.
Can I get Cover-More's dive insurance for Australia? Or only overseas?
Good news – our scuba diving travel insurance cover is available on all our domestic and international travel insurance plans. This means we could provide cover for your scuba dive whether you’re planning to dive on an Australian holiday or an overseas trip.
As stated above, scuba diving is one of many adventure activities we automatically include in our travel insurance plans, as long as you’re only diving up to 30 metres and with a diving school or qualified instructor.
If you’re planning a more advanced dive of a maximum depth of between 30-50 metres below the surface, you will need to include our Adventure Activities Cover in your policy (and meet the requirements) for our scuba diving travel insurance cover to apply. This cover can be added to any of our domestic or international travel insurance plans. Please read the list of qualifications required for our Adventure Activities Cover and Adventure Activities+ Cover to apply in the question above under “Cover option 2” or in the PDS.
For all conditions applicable to our dive insurance cover for Australia and abroad, please read the PDS.
Does Cover-More travel insurance cover my scuba equipment?
Are you a seasoned scuba diver who wants to travel with their own equipment? Our travel insurance with scuba diving cover may be suitable for your trip.
At Cover-More, we offer all policyholders protection for their owned scuba equipment (when not in use) through our luggage benefit. To understand the various benefit limits and individual items limits our luggage benefit provides per plan, please visit our luggage page, or read the PDS.
We also offer our customers extra scuba equipment cover beyond our luggage cover via our Scuba Bonus Pack, which is included in our Adventure Activities+ Cover.
For the cover to apply, you’ll need to include the Adventure Activities+ Cover in your policy for an additional premium.
This additional cover can protect your scuba equipment (when not in use) in the event it is lost, stolen, or damaged.
It can also offer you financial support (up to policy limits) towards the cost of scuba equipment hire if your own gear is lost, stolen, damaged, or if it has been delayed in transit by more than 24 hours (up to $250 for each 24-hour period).
This means you can continue with your scuba diving adventure despite the disruption.
Our scuba diving travel insurance cover for equipment is:
Scuba Bonus Pack
| Benefit | Benefit Limit |
|---|---|
| Scuba equipment | $10,000 |
| Maximum limit per item | $5,000 |
| Scuba equipment hire | $750 |
For full details on depreciation, repairs, and replacements of scuba equipment – plus any limits, sub-limits, exclusions, and conditions that apply to our cover – please read the PDS before you consider purchasing our travel insurance.
What does Cover-More travel insurance consider to be “scuba equipment”?
At Cover-More, when we refer to “scuba equipment”, we mean items used for scuba diving including, but not limited to, air tanks, dive computer, diving mask, fins, gloves, gauges, regulators, and wetsuits.
If you have questions about protecting your gear with our scuba diving travel insurance cover, please call our friendly team on 1300 72 88 22 during Australian business hours.
What assistance does Cover-More travel insurance offer for my dive holiday?
If you’re covered by a domestic or international Cover-More policy, you’ll have access to our Emergency Assistance team, who can support you 24/7 from wherever you are.
We can also assist you with other benefits included in your policy, such as luggage cover, travel delay, and personal liability.
If you’re travelling internationally, your Cover-More policy will also include cover for unlimited~ overseas emergency medical expenses.
In the event of an injury underwater or on the boat** during your dive, we can help you get the medical care you need via our Emergency Assistance team. Provided your scuba diving activities at the time of the incident fall within the conditions of your policy, this support may include financial help for emergency medical and additional expenses that arise.
We strongly recommend you read the PDS before purchasing a policy so you are aware of any exclusions or limitations that may apply to our scuba diving travel insurance cover before purchasing?
Still got questions? Call us on 1300 72 88 22.
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*Item limits apply. Sporting equipment not covered whilst in use.
**Excluding in international waters from a private sailing vessel or a privately registered vessel.
~ Cover will not exceed 12 months from onset of the illness, condition, or injury.