Scuba Diving

You’ve hit your dream destination and the beach is looking pretty good… but you’re keen to explore what’s under the water as well above. 
Whether you’re an experienced diver or want to try it for the first time, many of our plans offer travel insurance cover for scuba diving and snorkelling. 

Coverage available on the following plans:

Domestic Comprehensive Overseas Insurance (The Works) Budget Overseas Insurance (The Basics) Annual Multi-trip
Available Available Available Available


What's Covered

  • Overseas medical expenses for sudden illness or serious injury while scuba diving
  • Medical evacuation to the nearest facility for treatment
  • Treatment in a decompression chamber if required.
You should note that you must be appropriately qualified and hold an open water diving licence – if you don’t you must dive under the instruction of a qualified instructor. If you’re not sure about the qualification/s of the instructor or the dive shop, it’s not worth risking your life and heading underwater.

Cover for your gear

Scuba equipment can be covered under the policy up to $700 when not in use. To avoid having depreciation applied to your scuba equipment or if your equipment is worth more than $700 you can specify it up to $4,000 and pay an additional premium. Here's more information about cover for Luggage and Personal Effects.

What's not covered?

There’s a number of things not covered under your policy which you should make sure you’re aware of before you head into the deep blue.  These include, but are not limited to: 

  • Risky or reckless behaviour – and that includes doing anything that could pose a risk to your personal safety.    
  • Make sure you’re qualified… or your instructor is:  If you’re a first timer, make sure you dive with a qualified instructor and if you’re diving without an instructor, you must have the right open water qualifications and not dive beyond the depths and locations to which you’ve been qualified.  That means no free diving, wreck diving or anything else beyond your licence. 
  • Racing or professional sports, ie, you are receiving a wage, salary or appearance fee for training for or participating in the activity.
  • Travelling somewhere against Do Not Travel warnings – if there’s a government advisory against going there it’s probably not a good idea. And this includes dive sites that are off-limits. 
  • Diving under the influence – being intoxicated while diving is a bad idea and not only can affect any claims you may make, but can put at risk your life and those who are diving with you.  
  • Medical fitness:  Yep diving is one of those sports you do need a certain level of medical fitness.  If the doctor says you can’t dive, or you have an existing medical condition that prevents you from diving safely, that can affect any claims you make under this section of the policy. 

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Last updated: 21 December 2021

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