Diving coverage usually depends on depth, certification level, and whether you're diving recreationally or in a technical/training context. Here's what to verify before you dive.
Recreational diving within standard depth limits (commonly around 18–30 meters, depending on the insurer) is often included in adventure or sports tiers. Deeper diving, wreck diving, cave diving, or diving without certification frequently requires a separate add-on or is excluded entirely.
The maximum covered depth stated in the policy wording.
Whether certification (e.g. PADI, SSI) is required for cover to apply.
Whether solo diving or diving without a buddy is excluded.
Whether decompression sickness and hyperbaric chamber treatment are included in medical coverage.
Note: Divers who exceed their certification's depth limit are one of the most common groups to face a denied claim — confirm your policy's depth cap matches your planned dive sites.
Quick answer: recreational diving within standard depth limits (commonly cited around 18–30 metres, depending on the insurer) is often included in adventure tiers; deeper, wreck, cave, or uncertified diving usually needs a specific add-on or is excluded.
We don't publish pricing estimates, since they vary by provider and change often, but the factors that typically influence diving add-on cost include: the maximum depth you plan to dive to, whether you're doing a single dive trip or a full liveaboard, your certification level, and your destination. Divers planning deeper or technical dives should expect a higher-tier add-on than recreational reef diving within standard limits.
Many policies require certification appropriate to the dive depth and conditions. Check your specific policy's requirements.
This varies by provider and plan tier — confirm hyperbaric chamber treatment is explicitly included before diving in remote locations.
Many insurers ask for certification proof as part of a claim if the incident is diving-related — keep a digital copy of your certification card accessible while traveling.
No — snorkeling is almost always treated as a lower-risk activity than scuba diving and is often included by default, while scuba diving needs specific depth/certification terms checked separately.
This is a common real-world scenario and a frequent point of claim denial — exceeding your certification level is treated similarly to exceeding the policy's own depth limit. Stay within both.
Freediving is often classified separately from scuba diving by insurers, sometimes at a higher risk tier due to blackout risk. Don't assume scuba cover extends to freediving — check specifically.
Review current adventure and sports coverage plans with our partner before you book your activity.