Scuba diving travel insurance costs $106 to $178 for a week-long trip and covers decompression sickness treatment, equipment loss, and emergency evacuation from remote dive sites.
Learn more about travel insurance for scuba diving.
Updated: December 15, 2025
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Sports-specific diving insurance costs $106 to $178 for a 7-day international trip, with Tin Leg Adventure, BHTP AdrenalineCare, and IMglobal Sport offering the best coverage for recreational divers.
Standard travel insurance excludes scuba diving or only covers shallow dives above 30 feet, so you need specialized plans for emergency medical treatment, equipment protection, and evacuation from remote dive sites.
Plans limit coverage to recreational diving depths of 130 feet and require current certification, excluding technical diving, cave diving, and solo diving activities.
Scuba diving travel insurance is specialized coverage that protects you during dive trips. Standard travel insurance policies exclude diving activities, so you need sports-specific plans.
Diving insurance covers decompression sickness, hyperbaric chamber treatment, emergency air evacuation from boats or remote islands, dive equipment that can cost thousands of dollars, and trip cancellations due to weather conditions that make diving unsafe.
We evaluated sports-specific plans and standard plans with diving coverage to find the best travel insurance for adventure activities.
1 | BHTP | AdrenalineCare | 91 | $124 | $100,000 | $1,000,000 | $1,000 |
2 | Tin Leg | Adventure | 88 | $106 | $100,000 | $250,000 | $1,000 |
3 | IMglobal | Sport | 87 | $178 | $250,000 | $1,000,000 | $1,500 |
Note: All pricing for 7-day Australia trip, $2,500 trip cost, age 30.
Multiple providers offer diving coverage through standard plans with sports upgrades or built-in adventure sports protection.
World Nomads includes scuba diving coverage in its Standard, Explorer, and Epic plans without upgrades. Plans cover recreational diving and protect equipment through baggage coverage.
AXA includes adventure sports coverage in its Silver, Gold, and Platinum plans with limitations based on depth and certification requirements.
Seven Corners, Travel Guard, Allianz, WorldTrips, and Travel Insured offer diving coverage as optional upgrades to standard travel insurance plans. You'll need to add adventure sports protection when purchasing these policies.
Diving insurance covers underwater risks that standard travel policies exclude. Hyperbaric chamber treatment for decompression sickness costs $3,000 to $10,000 per session, and air ambulance evacuation from remote dive sites can exceed $50,000.
Key coverage includes emergency medical treatment for diving injuries, evacuation to hyperbaric facilities, trip cancellation when weather makes diving unsafe, and equipment protection for expensive gear like dive computers ($300-$800) and regulators ($400-$1,200).
Emergency Medical | $100,000 | $100,000 | $250,000 |
Medical Evacuation | $250,000 | $1,000,000 | $1,000,000 |
Trip Cancellation | 100% trip cost | 100% trip cost | 100% trip cost |
Trip Interruption | 150% trip cost | 150% trip cost | 150% trip cost |
Baggage & Equipment | $1,000 ($500 first item) | $1,000 ($500 first item) | $1,500 ($500 per item) |
Equipment Delay | $500 | Not specified | Not specified |
Trip Delay | $600 ($200/day) | $600 ($200/day) | $750 ($250/day) |
Scuba diving travel insurance costs $106 to $178 for a 7-day trip to Australia with $2,500 in trip costs for a 30-year-old traveler. For broader price comparisons, see the cheapest travel insurance options.
Tin Leg | Adventure | $106 |
BHTP | AdrenalineCare | $124 |
IMglobal | Sport | $178 |
Note: Pricing based on California resident, 30 years old, $2,500 trip cost, 7-day trip to Australia departing October 1.
Age affects premiums most, with travelers over 60 paying 50% to 100% more. Trip cost, length, destination remoteness, and coverage limits impact pricing.
Many providers offer diving as an optional upgrade to standard plans, adding $20 to $50 to your premium. Verify scuba diving is specifically covered, as definitions vary between insurers.
Diving Medical Emergencies: Decompression sickness requires immediate hyperbaric chamber treatment costing $3,000 to $10,000 per session. Insurance covers emergency room visits, chamber treatments, hospitalization, barotrauma injuries, nitrogen narcosis, and marine life injuries.
Equipment Loss: Your dive computer falls overboard or your BCD is stolen from your hotel. Equipment coverage reimburses lost or stolen gear. Baggage delay coverage provides funds to rent equipment if airlines lose your checked bag.
Weather and Ocean Conditions: A tropical storm makes diving unsafe, and your operator cancels the trip. Trip cancellation coverage reimburses non-refundable deposits. Diving-specific policies often cover operator closures due to unsafe conditions.
Pre-Existing Medical Conditions: Pre-existing condition coverage becomes available when you purchase insurance within 14 to 21 days of your initial trip deposit. This matters for divers with asthma, heart issues, or ear problems.
Coverage Limitations: Plans limit diving depth to recreational limits (130 feet for certified divers). Technical diving, cave diving, and wreck penetration are often excluded. Plans require current dive certification and won't cover incidents beyond your certification level or during solo diving.
Add up your dive gear including regulator, BCD, dive computer, wetsuit, fins, mask, and cameras. If your gear totals $3,000 or more, look for plans with per-item limits above $250 and overall baggage coverage exceeding $1,500.
Remote locations or liveaboard boats require higher evacuation limits since air ambulance transport can exceed $50,000. Plans offering $500,000 to $1,000,000 in evacuation coverage provide better protection.
Confirm the policy covers your planned diving depth (most cover up to 130 feet for certified divers). Check exclusions for technical diving, cave diving, or wreck penetration if you plan these activities.
Cancel for any reason coverage costs 40% to 60% more but reimburses 50% to 75% of trip costs for any reason, including personal concerns about diving conditions.
Purchase within 14 to 21 days of your initial trip deposit to access pre-existing condition waivers and maximum cancellation protection.
Yes, sports-specific plans cover liveaboard diving trips. Look for plans with high trip interruption limits since you can't rejoin a liveaboard mid-trip if you miss the departure.
Plans exclude training and certification activities. You'll need coverage that starts after you complete your certification, or a plan that specifically includes training dives.
Some providers offer annual multi-trip plans with adventure sports coverage, but verify diving is included. These work best if you take 3 or more dive trips per year.
MoneyGeek evaluated sports-specific plans and standard policies with adventure sports coverage for scuba diving protection.
Pricing Scenario: 30-year-old California resident, 7-day Australia trip, $2,500 trip cost, departing October 1. Quotes gathered from each insurer's online portal.
Plans Analyzed: IMglobal Sport, BHTP AdrenalineCare, Tin Leg Adventure (sports-specific), plus Seven Corners, Travel Guard, Allianz, World Nomads, AXA, WorldTrips, and Travel Insured (standard plans with diving upgrades).
Verification: Coverage verified through policy documents and provider websites. Compared emergency medical, evacuation limits, equipment protection, trip cancellation, and diving-specific features.
Selection: Companies chosen for explicit diving coverage, comprehensive protection for diving risks, and competitive pricing. Plans without diving coverage or incompatible depth limits were excluded.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
