Do I need specific scuba diving travel insurance?
Here’s why you need scuba diving travel Insurance from Yellow Jersey.
Most travel insurance policies only cover scuba diving if it’s incidental to your trip—meaning it’s not the main reason you’re travelling. If you’re heading on a dedicated scuba diving holiday, standard policies (like free cover from your bank or cheap online comparison options) often won’t provide the protection you need.
That’s where Yellow Jersey’s specialist scuba diving travel insurance comes in. We provide tailored policies that cover depth, medical emergencies, lost equipment, and trip cancellations due to diving conditions. —so you can dive with confidence, knowing you’re fully protected.
Ask yourself two questions about your current travel insurance –
Have I checked if it covers me for risks associated with scuba diving?
e.g. decompression sickness?
Have I checked if it covers me if the primary purpose of travel is scuba diving?
e.g. a Red Sea scuba diving trip
Our Scuba Diving Travel Insurance covers emergency medical expenses, repatriation, and trip cancellation on top of lots of other scuba specific features you cant get from a generic travel insurer.
In much the same way as you buy travel insurance for winter sports, we have made travel insurance for scuba diving simple and easy to understand. Buying travel insurance for scuba diving has always been needlessly complicated, so our aim is to make the coverage we offer when diving abroad absolutely clear.
Whether you’re diving every day or just adding it to a broader adventure, we’ve got you covered.
Scuba diving travel insurance vs GENERIC TRAVEL insurance?
Most standard policies either exclude diving or come with serious limitations. Many only cover dives up to 10–30m, leaving advanced divers unprotected. Cave, wreck, and deep dives are often excluded. There is often no protection for decompression sickness or emergency evacuations. Diving gear can exceed standard baggage limits and finally No Cancellation for Diving Conditions – Standard policies rarely cover cancellations due to bad weather.
Yellow Jersey’s scuba diving travel insurance covers the things that matter most to divers.
Covering dives at all depths
Medical emergencies – Including decompression sickness & emergency evacuations.
Lost or damaged equipment.
Stay covered when weather or safety issues cancel your dives.
No matter where you are or what type of diving you enjoy, if you have Scuba Diving Travel Insurance with Yellow Jersey, you can relax and dive with complete confidence that you’re covered.
Annual or Short Term
A Travel lots, pay less
By spreading the risk over 12 months, we can reduce the rates for you while still providing cover for every weekend trip or week-long golfing holiday you enjoy abroad.
Our annual policies can also include winter sports coverage, so purchasing annual travel insurance before your summer golf trip could save you the hassle of finding another insurer before your winter skiing trip.
B No commitment
For those who don’t travel so frequently or don’t want the commitment, we also offer short-term, single-trip policies. Whilst these are obviously more expensive pro-rata, they offer great flexibility and the same cover afforded to regular travellers.
Discounts
With discounts available for Families and Couples, there is no need to purchase separate annual travel insurance if you’re not all going to be golfing. If you travel with your partner, we offer them a 50% discount.
For a family policy with two adults, your first child will be added for half the price, and any more will be added for free. The same discount is available for single-parent families where you pay for one adult.
If you are organising a trip with your cycling club, our group discount allows parties of 5 – 10 people to travel on one policy with a 5% discount.
Since active people rarely confine themselves to a single discipline, our annual policies also include free winter sports cover.
Cover summary
scuba diving travel INsurance Covers
| Benefit | Limit |
| Trip Cancellation | £5,000 |
| Medical Expenses / Repatriation | £10mil |
| Dental Treatment | £250 |
| Hospital Benefit | £500 |
| Valuables | £5,000 |
| Travel Documents | £250 |
| Delayed Baggage | £250 |
| Personal Money | £500 |
| Travel Delay | £250 |
| Holiday Abandonment | £5,000 |
| Missed Departure | £1,000 |
| Loss of Limbs or Sight | £20,000 |
| Permanent Disablement | £20,000 |
| Death Benefit | £10,000 |
| Personal Liability | £2m |
Scuba Cover
| Emergency Equipment Hire | £500 |
| Scuba Equipment Cover | £5,000 |
| Adverse Weather | £500 |
| Gadget Cover | £500 |
Winter Sports (Optional)
| Ski Equipment | £350 |
| Ski Hire | £300 |
| Ski Pack | £200 |
| Piste Closure | £300 |
| Delay due to Avalanche | £300 |
Welcome to our scuba diving insurance FAQ section
We can answer all your questions related to our scuba diving insurance. If you can’t find the answer you are looking for after looking through the FAQs, you can call us Monday through Friday from 9 a.m. to 5 p.m. We typically answer the phone in under 30 seconds.
We’re excited to help you explore the underwater world! Our scuba diving travel insurance extends to a fantastic range of adventures, allowing you to scuba dive in beautiful locations across the globe.
- We cover depths up to 30 meters (approximately 98 feet) for most divers, which allows you to enjoy a wide variety of dive sites and marine life.
- If you’re a qualified diver participating in a course with an instructor, we can extend coverage to 40 meters (approximately 131 feet). This allows you to gain experience and training in deeper diving scenarios.
- Our coverage also includes popular diving specialities like night diving, wreck diving, and even cold water diving! So, whether you’re exploring a sunken ship or venturing into icy waters, we’ve got you covered.
It’s important to remember that not all insurance providers offer specialised diving coverage. To make sure you have the protection you need for your underwater adventures, please take a moment to carefully select all the relevant options when you request a quote online. We’re here to help you dive with confidence!
Yes, our scuba diving travel insurance covers shark diving. You need to read the policy wording to get all the relevant conditions.
We understand how vital your diving equipment is, both for your safety and your enjoyment! That’s why when you purchase the optional equipment cover extension for our Scuba Diving Travel Insurance, you get peace of mind on your underwater adventures.
Here’s what our optional equipment coverage offers:
- Generous Coverage: You can pick any limit but we can provide up to £10,000 to protect your valuable diving gear.
- Own or Rented: Whether you’re using your own trusty equipment or renting gear at your destination, we’ve got you covered.
- Travel Protection: Your equipment is protected during transit to and from your dive location, so you can relax and focus on the excitement ahead.
To ensure smooth claims and keep your equipment safe, here are a few things to keep in mind:
- Secure Your Gear: When you’re not using your equipment, please make sure it’s properly secured. This helps prevent accidental damage or theft.
- Report Theft Promptly: If you are the victim of theft, please report it to the local police immediately and obtain a written police report. This is essential for your insurance claim.
- Damage Inspection: For damage claims, we may need to have your equipment inspected back home.
- Take Reasonable Precautions: Just like with any valuable item, taking reasonable precautions is key. Use locks, store your equipment in secure locations, and treat it with care.
We’re here to help you enjoy your diving experience to the fullest, knowing your equipment is protected!
Absolutely. If you require hyperbaric oxygen therapy due to decompression sickness, our policy will cover the costs when deemed medically necessary.
Absolutely, it does. That is a very common concern. Our policy covers search and rescue, including the use of helicopters, up to £50,000, hopefully providing you with peace of mind.
Our policy covers you ONLY for pre-existing medical conditions on our list; we do not provide coverage for other conditions.
Covered pre-existing medical conditions:
- Acne
- ADHD
- Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last two years.
- Allergic rhinitis
- Arthritis (the affected person must be able to walk independently at home without using mobility aids)
- Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than two inhalers and no other medication)
- Blindness or partial sightedness
- Carpal tunnel syndrome
- Cataracts
- Chickenpox – if wholly resolved
- Common cold or flu
- Cuts and abrasions that are not self-inflicted and require no further treatment
- Cystitis – provided there is no ongoing treatment
- Deafness
- Diabetes (which is controlled by diet or tablets only)
- Diarrhoea and vomiting – if wholly resolved
- Eczema
- Enlarged prostate – benign only
- Essential tremor
- Glaucoma
- Gout
- Haemorrhoids
- Hay fever
- Ligament or tendon injury – provided you are not currently being treated
- Macular degeneration
- Menopause
- Migraine – provided there are no ongoing investigations
- Nasal polyps
- PMT
- RSI
- Sinusitis – provided there is no ongoing treatment
- Skin or wound infections that have entirely resolved with no current treatment
- Tinnitus
- Underactive thyroid (Hypothyroidism)
- Urticaria
- Varicose veins in the legs
Alternatively, you can view a directory set up by the Money and Pensions Service. This directory provides easy access to companies that specialise in covering pre-existing medical conditions, enabling customers to find the best value cover.
The directory can be accessed at https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 7777.
Pedal Cover is not connected to the insurers provided by the directory. As we offer a travel insurance product aimed at cyclists, you should ensure that if you use a firm on the directory, they are able to cover your intended cycling activities.
No, sorry! You can view a directory set up by the Money and Pensions Service. This directory provides easy access to companies that specialise in providing cover for pre-existing medical conditions, to enable customers to find the best value cover.
The directory can be accessed at https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 7777.
Pedal Cover is not connected to the insurers provided by the directory. As we offer a travel insurance product aimed at cyclists, you should ensure that if you use a firm on the directory, they are able to cover your intended cycling activities.
Yes, but the insurance will not provide coverage for any claims directly or indirectly related to the pre-existing medical condition.
Our annual multi-trip scuba diving travel insurance policy has a 120-day trip maximum, but you can take as many trips as you like during the year as long as no individual trip exceeds that length.
Our annual golf travel insurance can also include winter sports coverage as an optional benefit. For winter sports holidays, you can go for a maximum of 17 days per trip.
Automatically covered pre-existing medical conditions:
- Acne
- ADHD
- Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last two years.
- Allergic rhinitis
- Arthritis (the affected person must be able to walk independently at home without using mobility aids)
- Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than two inhalers and no other medication)
- Blindness or partial sightedness
- Carpal tunnel syndrome
- Cataracts
- Chickenpox – if wholly resolved
- Common cold or flu
- Cuts and abrasions that are not self-inflicted and require no further treatment
- Cystitis – provided there is no ongoing treatment
- Deafness
- Diabetes (which is controlled by diet or tablets only)
- Diarrhoea and vomiting – if completely resolved
- Eczema
- Enlarged prostate – benign only
- Essential tremor
- Glaucoma
- Gout
- Haemorrhoids
- Hay fever
- Ligament or tendon injury – provided you are not currently being treated
- Macular degeneration
- Menopause
- Migraine – provided there are no ongoing investigations
- Nasal polyps
- PMT
- RSI
- Sinusitis – provided there is no ongoing treatment
- Skin or wound infections that have entirely resolved with no current treatment
- Tinnitus
- Underactive thyroid (Hypothyroidism)
- Urticaria
- Varicose veins in the legs