free diving travel insurance

Best dive insurance (2022 update)

We’ve chosen DiveAssure as the best blend of comprehensive dive insurance and travel coverage. Read our in-depth breakdown.

Diving accidents are rare, but when one happens you need insurance to cover you for healing time and expenses. The average health insurance won’t offer any coverage for scuba diving accidents, so it’s important to get additional insurance coverage. To pick the right policy for you, we’ve compared the top three worldwide options below.

Our top pick for frequent divers and travelers is DiveAssure. For those interested in a lower-cost option with less travel coverage, Divers Alert Network (DAN) is the leading insurance provider. Lastly, for those who occasionally add scuba diving into their travel itineraries, WorldNomads offers great coverage for travelers.

World Nomads Explorer

• Top pick: DiveAssure

DiveAssure offers short-term and long-term plans that all offer a high level of coverage for divers. Their use of direct payments and added inclusions for lost dive days sets them apart from others. With their additional travel coverage they are a great option for divers who often travel for diving.

• Just dive insurance: DAN

DAN is a reliable and well-known insurance company that puts safety first. Their coverage is comprehensive for all types of diving and comes at a lower price. Their insurance policies are perfect for divers who want easy, annual coverage with basic travel support.

• Dive and travel insurance: World Nomads

World Nomads offers high levels of travel insurance and optional coverage of over 200 adventure sports. Their dive coverage is great for vacationers and recreational divers staying above 130 feet (40 meters). Their plans will cover your vacation from start to finish.

Do I need dive insurance?

When unforeseen dive accidents happen, they often require expensive medical procedures. For the most common dive injury, decompression sickness, treatment costs between $100 - $1000 per treatment. Often, patients need 10 to 60 treatments based on the severity of their case 1 . Diving accident insurance covers these costs and helps with medical assistance when you are in a foreign country.

If you are diving in your home country, dive insurance is still a necessity. Regular insurance doesn’t usually cover you for dive-related accidents, leaving you to pay out of pocket. It is important to check what your current coverage does and does not include.

Do I need dive insurance for dive courses?

For new divers taking courses, some dive shops offer short-term coverage for students. This comes at an additional cost, but requires little effort and is an insurance approved for the location you are in. Many PADI-certified shops offer DAN coverage, while SSI shops work with DiveAssure. If you plan for additional dives after your course is complete, you will need to purchase your own insurance.

Is regular travel insurance enough?

Most travel insurance doesn’t include coverage for riskier activities. Scuba diving is often seen as one of these activities and coverage comes at an extra cost. Sometimes this is a flat rate you can add on top of your insurance policy, but other times it will increase your premium amount significantly.

If you don’t add on dive accident insurance you won’t have coverage for any accidents related to scuba diving. If you do choose to add coverage for diving, you need to check the extent of the coverage for dive depths, gas, and dive types.

What does dive insurance cover?

Dive insurance covers you for dives in your home country and abroad. If there are any accidents your insurance covers the medical expenses, including hyperbaric treatments. Any emergency transportation and repatriation are also covered. Different companies and plans will have a limit to the amount that they will pay out for these expenses.

Dive insurance will also take care of any lost or damaged dive gear. While traveling with expensive pieces of equipment like BCDs and dive computers, you want to have coverage that will reimburse you for damage.

It is important to note that most dive insurance will only cover you for accidents that occur on your dive. The scuba dive starts when you enter the water and ends when you exit. Any accidents that occur on land or a boat before or after your dive are not covered unless stated says otherwise. For this reason, if you are traveling abroad, you will want to purchase travel insurance as well 2 . Some companies offer a combination of dive and travel insurance.

How to pick the best insurance?

Travel insurances will limit the depth of your dive more than dive insurance will. They are more conservative and will focus mostly on people diving recreationally during vacation. This is perfect for many divers with Open Water or Advanced certifications and new divers. You will likely not be going beyond depths of 130 feet (40 meters) or need to worry about diving without an instructor to guide you.

For divers who scuba dive often and are more advanced, you will want dive-specific insurance that covers you for the depths you plan to go. This is a crucial factor to consider for Tec divers who plan to go beyond 164 feet (50 meters).

If you are ready to dive deeper and progress in your scuba diving career, read our guide to becoming a dive instructor here.

Similar to dive depth, many travel insurances do not offer coverage for specialty dives that require different gas types. Recreational divers don’t need to worry about this, as the dive shop will provide you with the regular air mixture. Divers who do Nitrox, Tec, or Rebreather diving, need to purchase scuba dive insurance to cover all of their dives.

With dive and travel insurance, you need to check what locations they cover. Some offer coverage worldwide, while others only work in some countries. When planning an international diving trip, remember to check that your insurance covers the destination. Planning a dive trip is overwhelming and there are many things to think about. Read our full guide to planning a dive trip here.

Dive Equipment

Dive insurance will offer varying levels of equipment coverage for damage or loss. This coverage may only be for dive-related damage that doesn’t cover you while in transit to the dive location.

Alternatively, travel insurance will cover you for baggage loss and damage while you travel, but not while you are diving. For this reason, and for full health coverage, you will want to purchase both travel and dive insurance.

• Detailed product reviews
• Unlimited diving emergency medical expenses
• Covers mixed gas, technical, rebreather, cave, and ice diving
• No depth limit
• Travel assistance is available
• 24-hour medical assistance hotline
• Lost or damaged scuba gear from €2000 – €5000
• Lost diving days due to medical conditions and weather on travel policies
• Direct payment for medical expenses
• Lower non-diving medical expense payout
• No coverage for other adventure sports or activities

DiveAssure has grown in popularity amongst divers as they offer comprehensive coverage that rivals others in the industry. They work in conjugation with Duke Center for Hyperbaric Medicine and provide excellent medical support. DiveAssure is also the chosen insurance company for SSI dive shops and students.

For advanced divers, DiveAssure has no limit to depth and dive type. They also specifically include specialty dives in their coverage, like cave and ice diving.

One benefit that only DiveAssure offers is coverage for lost dive days due to weather conditions. As weather at sea is unpredictable, this is a great bonus for divers with limited diving time 3 .

When you do file a claim, you will get direct payment to service providers. This saves you from paying out of pocket and waiting for them to reimburse you later. Many other insurance companies don’t offer this service and it can get you the help you need without stressing about money.

DiveAssure Plans

There are three plans offered, DiveSafe, Dive&Travel, Dive&Travel Plus. Each one has long-term and short-term plans for divers to choose from. Each policy includes 24-hour emergency medical assistance and translation services while traveling. They also offer unlimited coverage for dive emergency medical costs on the DiveSafe and Dive&Travel Plus plans.

DiveSafe annual plans will cover all local dives for those that stay closer to home. DiveSafe plans also cover unlimited hyperbaric chamber treatments and unlimited medical expenses while recuperating at home 4 .

The two travel plans include all of the DiveSafe benefits plus coverage for baggage, trip cancellation, and flights. While they also cover non-dive-related emergencies, this coverage is much lower than what most travel insurance companies offer. However, if diving is your main reason for travel, the high dive coverage outweighs this 5 .

The bottom line: DiveAssure offers more comprehensive scuba diving insurance coverage than others and will protect you at home and abroad. The travel benefits are not as high as what travel insurance offers, but it is enough for those who travel just for diving.

• Covers free diving (Apnea), snorkeling, scuba, and professional diving
• Access to DAN’s Ask a Medic
• Automatic enrollment in 24-hour DAN TravelAssist up to $150,000
• Lost or damaged scuba gear from $1000 – $5000
• Low premium rates
• No single-trip coverage
• No coverage for lost dive days

DAN is one of the most popular and well-known dive insurance agencies in the world. They have been operating for over 40 years and provide high-quality medical information and assistance to divers. They often conduct their own dive-related research and are the recommended insurance agency of PADI.

To purchase a DAN insurance policy you must first be a DAN member. The membership rate is $35 a year and comes with additional perks that members have access to even without an insurance plan. This includes TravelAssist, a 24-hour emergency hotline, and access to medical specialists for non-emergency inquiries 6 .

TravelAssist is similar to a basic travel insurance policy. The coverage that you receive offers medical emergency coverage for diving and non-diving emergencies. You are not covered for non-emergencies, travel interruption or cancellation, or loss of baggage during non-dive-related accidents. These benefits only go into effect when you are 50 miles away from your home address.

The insurance policies you can purchase on top of the membership come in three tiers, Master, Preferred, and Guardian. The price for the Master plan is one of the lowest insurance costs in the industry. This plan covers you for dive accidents and equipment damage, with no depth or gas limits 7 .

The Preferred plan offers the same coverage as the Master, but with higher payout rates. It also includes coverage for non-dive accidents when traveling abroad. The highest level plan, the Guardian, offers additional coverage for other named water sport accidents and search and rescue 8 . This plan is for more advanced divers who may be taking on riskier dives and other water activities.

DAN plans only offer annual coverage. This is good for avid scuba divers who travel specifically for diving and want the comfort in knowing they are always covered. Those who only scuba dive occasionally may feel this is unnecessary and would prefer the option of short-term policy.

The bottom line: DAN’s dive coverage is comprehensive and they have a long history of working with divers. The basic travel coverage is good for those who only want emergency medical coverage or have a separate travel insurance plan.

World Nomads

• Emergency medical expenses up to $100,000
• Lost or damaged baggage and gear $2500 – $3500
• Trip interruption
• Covers freediving, shark cage diving, and cave diving
• 24-hour emergency assistance
• Depth limit of 50 meters
• Specialty diving only covered on Explorer Plan
• Doesn’t cover mixed gas

World Nomads insurance is first and foremost travel insurance. It is one of the leading insurance companies for short-term vacationers and backpackers because it offers good coverage at affordable prices.

Unlike dive-focused insurance, travel insurance guarantees more coverage for your entire diving trip. This is great for people who plan to do more than just scuba diving as they travel. These benefits include trip cancellation, and trip interruption or delay. Coverage includes lost, stolen, damaged, or delayed baggage, including diving equipment.

Additionally, World Nomads has the option to buy travel insurance after your trip has already started. This sets them apart from other travel insurance companies and gives you more flexibility for your travel start and end dates 9 .

World Nomads Plans

There are two plans to choose from the Standard and Explorer. Recreational scuba diving and lessons are part of the Standard plan. The Explorer plan covers the specialty scuba, free diving, and commercial diving. This policy also includes all of the other 200+ adventure sports World Nomads offers 10 .

While the diving coverage isn’t as comprehensive as DiveAssure or DAN, it is plenty for those who only dive recreationally. It also includes coverage for some specialty and commercial diving. Coverage for scuba divers is for any dive that is within their certification limits and when taking a course with a dive instructor. If you dive beyond your limits or past 50 meters, you are no longer covered in an accident.

Beyond diving, the two plans are almost identical with the Explorer plan offering higher benefit rates 11 .

The bottom line: World Nomads is the best blend of travel and dive insurance for recreational divers. If your travels will include a wide variety of adventure sports and you want coverage for your flights and trip costs, this is the best option.

Dive insurance is a necessary part of scuba diving and offers added support and protection when you are diving at home and abroad. When choosing an insurance policy consider all of the activities you plan to do and decide if you need higher coverage for diving, traveling, and other adventure activities.

Hyperbaric Oxygen Therapy Cost. CostHelper. health.costhelper.com   ↩

Frequently Asked Questions. DAN World. danap.org   ↩

Coverage and Rates. DiveAssure. diveassure.com   ↩

(2019) DiveSafe Diving Accident Insurance Description of Coverage. DiveAssure. PDF document   ↩

(2022) Dive&Travel Diving and Travel Insurance Description of Coverage. DiveAssure. PDF document   ↩

Membership & Insurance. DAN. dan.org   ↩

(2022) Membership and Master Plan Benefits. DAN. media.dan.org   ↩

(2022) Membership and Guardian Plan Benefits. DAN. media.dan.org   ↩

Scuba Diving Travel Insurance. World Nomads. worldnomads.com   ↩

Travel Insurance: Activities, sports & adventures covered by World Nomads. World Nomads. worldnomads.com   ↩

(2022) Summary of Benefits. World Nomads. PDF document   ↩

Last updated 16 March 2022

Table of contents

About the author

Liz is a full-time traveler and a PADI Rescue Diver. She loves to explore new places in and out of the water and share her experiences with others.

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SCUBA DIVING TRAVEL INSURANCE

• Worldwide Scuba Diving Travel Insurance
• Protects divers down to depths of 40m
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Our Scuba Diving Insurance policy options

Put simply, we offer three different policy options…

1. Travel Insurance

We provide a single and annual multi-trip Sports Travel Insurance policy that provides cover for scuba diving. It includes cover for emergency medical and repatriation costs, trip cancellation and curtailment, plus more.

2. Travel Insurance Bolt-On

If you have an existing travel insurance policy in place with another provider, such as your bank, but it does not include cover for scuba diving, we can provide a bolt-on style of protection for your trip.

3. Sports Accident Insurance

Our Sports Accident Insurance is designed to protect individuals scuba diving off the coast of the UK. The policy provides a range of benefits including personal liability and income protection.

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Why choose us for your Scuba Diving Insurance

30 years experience.

We have been providing tailored Sports Insurance policies for over 30 years, and today protect more than 57,000 customers a year.

Professional Claims Handling

We work with leading claims handlers to make sure our customers experience a prompt and professional service when making a claim.

Underwritten by Experts

We’re pleased to offer tailored Scuba Diving Travel Insurance from AXA XL, a leading provider of insurance in the sports and leisure industry.

UK Based Customer Service Team

Our highly experienced Sales team are available to help support you with any questions that you might have.

5-Star Customer Service Rating

Thousands of happy customers have awarded us a 5-star customer service score on the independent feedback platform, Feefo.

500+ Sports Covered

Being a specialist in Sports Insurance, we provide cover for over 500 different sports & activities, far more than other providers.

Is dive insurance necessary?

Diving Insurance provides cover whilst taking part in the activity, for example it will cover the costs of receiving medical treatment due to an accident whilst scuba diving. 

It can also cover costs of replacing your scuba diving equipment should it get lost, stolen or damaged whilst diving. 

If you are diving off the shores of the UK and need Income Protection,  our Sports Accident Insurance policy should be considered. The product offers various other benefits including personal accident and liability insurance.

All of our Diving Insurance policies can be purchased online in minutes, whether you’re looking for free diving insurance or shark cage diving , you can compare options by getting a quote online . 

What’s covered with our scuba diving insurance?

Whether you’re diving in the UK or on a trip abroad there are a number of risks attached to the sport. Having the most suitable cover can ensure you are protected against unexpected incidents. Our policy includes:

• Emergency Medical Expenses & Repatriation
• Search and Rescue
• Cancellation & Curtailment
• Personal Accident cover
• Personal Liability
• Delayed, lost or stolen baggage
• Sports Equipment

What diving depths can you cover?

We are able to provide cover you for scuba diving in waters around the world to depths of 30m, or 40m for qualified divers diving under instruction. This includes night diving, wreck diving along with cold water diving.

Not all insurance providers will be able to include specialist diving insurance. Make sure you select all the cover you need when you request a quote online. 

Insurance for other water sports

As an active traveller, you may want to include multiple sports in your policy. To compliment our scuba diving policy, you can include specialist water sports insurance , adventure travel insurance,   open water swimming insurance and more.

You can also choose our Activity Top-Up insurance , this applies if you want short term cover for a one-off activity that isn’t covered on your standard policy.

Frequently Asked Questions

Standard travel insurance policies do not always cover scuba diving. Our Scuba Diving Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.

Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your scuba diving equipment in transit to and from your destination.

Yes, our Scuba Diving Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.

You can purchase our scuba diving insurance online up until 74 years old. Above this age, you would need to call us on 01494 484800 and we will be able to refer your quote to our underwriters. Please note, our quotes are based on your age at the start date of cover.

When deemed to be a medical necessity, the policy would cover the costs of hyperbaric oxygen therapy in a recompression chamber.

* 10% online discount applies to our Sports Travel Insurance and Activity TopUp policies only. 

** Data relates to Sports Travel Insurance claims from Jan 2023 to Dec 2023 inclusive.

*** Feefo rating relates to Sports Travel Insurance claims review score from Jan 2023 to Dec 2023 inclusive. 

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Are you covered?

Dive beyond. Dive Safe. DiveAssure.

Why DiveAssure Insurance Plans? DiveAssure offers you a wide range of benefits.

Most comprehensive Diving Accident and Dive & Travel insurance plans

Specializes exclusively in Scuba and Freediving

Delivers direct payment to emergency service providers, no need to leave a credit card or other personal guarantees

Access to 24/7 emergency and non-emergency medical hotlines, with direct contact to Duke Dive Medicine

Members can choose between short-term or annual membership-plans

DiveAssure is SSI’s trusted insurance partner

StartDive powered by DiveAssure & SSI

“StartDive“ is a sponsored program by DiveAssure and SSI and it provides a free coverage for decompression sickness treatment within all SSI Scuba or Freediving beginner programs. The “StartDive“ program is available in specific countries. When registering, reach out to your SSI Training Center and ask about the availability of the StartDive plan.

Stay covered with the “StartDive“ plan throughout the duration of the eligible programs, with benefits extending up to a maximum of 6 months from your certification date.

Dive into our range of Beginner Programs, thoughtfully bundled with the exclusive ’StartDive’ insurance coverage. Locate your perfect Training Center and kickstart your training with a strong foundation of confidence and security.

Travel Insurance for Divers

When on holiday or a trip abroad, you want to have Professionals you can rely on, especially in the most remote destinations. Choose the right comprehensive travel plan with both diving and travel protection.

Our partners at DiveAssure offer specialized travel insurance for divers, for a single trip or multiple trips throughout the year. Membership plans include coverage for trip cancellation and interruption as well as lost diving days due to bad weather or medical inability to dive, with unique benefits for liveaboard trips. Flights, baggage and diving gear coverage, as well as direct payment to service providers and multilingual emergency support (medical and non-medical) are sure to provide any traveler with peace of mind. Dive Assure plans have no depth limit or mixed gas restrictions and cover both scuba and freediving.

Dive Accident Insurance

Diving is considered as safe sport when conducted responsibly. However, accidents do happen. Eliminate any financial worry in the case of an accident by being covered, whether diving in your home country or abroad.

Our Recommendation: Both short-term and annual coverage options are available through our partner DiveAssure. Membership plans include direct payment to service providers and no depth limits.

Entry Level Insurance

To make sure that SSI students are covered and that SSI Training Centers can enjoy peace of mind, SSI and DiveAssure have created the Start Dive Plan. SSI Entry Level students (both scuba and freediving) are covered free of charge for DCS for the duration of their registered SSI Course. This benefit is available through SSI Training Centers that partnered with DiveAssure. DiveAssure partnership is free and is available for all SSI Centers via MySSI.

Special rates for accident insurance

The cost of medical evacuation, hyperbaric treatments and/or medical repatriation can be substantial. In case of an accident, you want to receive the best medical treatment and supervision by experts in diving medicine. These services are usually not covered by your regular medical or health insurance provider. Read more about this plan and register today to receive a discounted rate exclusively offered to SSI divers.

Liability Insurance

Being a Professional in the diving industry is fun, but at the same time carries responsibilities and certain exposure of being sued by injured divers or their families.

Even the most responsible diving professional and training center can face a legal claim as a result of a diving accident, slip and fall accident or other cases of legal liability and must be properly covered against such scenarios. DiveAssure’s liability plan is your best choice when looking for the right protection for yourself or your diving operation. Issued by CNA Hardy – one of the largest insurance corporations in the world. The policy limit is €20.000.000 per claim and €40.000.000 aggregate – by far; the highest level of coverage in the industry, and with an international and multilingual customer service call center, you are definitely in good hands. The DiveAssure liability program is endorsed by SSI and recommended by many other certifying agencies.

Coverage is available to DiveAssure members worldwide excluding USA and Us territories.

Please note: SSI does not sell insurance. The DiveAssure Association is a separate entity offering its members various insurance plans.

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Scuba Diving Insurance: What You Need To Know

Looking to get some extra coverage for an upcoming scuba diving trip? Get dive accident coverage to cover any potential medical expenses.

in under 2 minutes

Josh Lew is a travel journalist and writer based in the midwestern U.S. He has been active for the past decade, covering airlines, international destinations and ecotourism for sites like TravelPulse and TreeHugger. He currently contributes to content writing agency World Words.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Scuba diving brings the underwater world into focus for adventure-seekers — 2.48 million divers explored below the waves at least once in 2021. Investing in scuba diving insurance can provide peace of mind if you are a traveler who plans your entire vacation around diving.

Diving is relatively safe for certified participants, but risks include decompression sickness, drowning, ear pressure damage, lung issues and encounters with marine wildlife. Scuba diving insurance helps cover the cost of medical services if you get injured during a dive. Some policies also protect diving equipment and reimburse you for canceled or delayed trips, lost baggage and other common travel problems.

Read on for what you need to know to select the best scuba diving insurance for your travel needs.

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What Is Scuba Diving Insurance?

Scuba diving insurance plans cover diving activities, including all related watersports (like surfing or water skiing). An insurance policy pays healthcare costs after a diving accident and offers medical evacuation if you need additional care or long-term treatment in your home country.

Standard travel insurance policies with medical coverage will pay for care after an injury. However, most policies exclude medical coverage for injuries sustained from adventure sports and activities like scuba diving, rock climbing or bungee jumping. Because of these exclusions, you would need to purchase additional insurance or add diving-specific coverage to your travel policy.

What Does Dive Insurance Cover?

Scuba diving insurance is available in short-term or single-trip policies or as an annual coverage package. The Divers Alert Network (DAN) is a leader in this specialized type of insurance. It is a nonprofit dedicated to diver safety, so it offers reasonable insurance plans that include the following:

• Medical expenses, including decompression treatment in a hyperbaric chamber
• Medical evacuation and repatriation of remains
• Accidental death and dismemberment
• Expenses related to search and rescue
• Lost or damaged diving gear, including masks, tanks and dive computer
• Hotel, airfare and trip cancellation costs incurred as a result of the scuba diving accident

Standard scuba divers can reach depths of 130 feet . Insurers will physically list a depth limit to which coverage applies. Technical divers breathing nitrox (a 79% nitrogen mixture) or helium (also 79%) need additional coverage because of the risks associated with the depth they reach. Surface-supplied divers, free divers and those using rebreather equipment also need additional coverage.

Meanwhile, underwater photographers will need special coverage to protect their photographic equipment, and diving instructors or guides should purchase liability insurance in addition to personal accident coverage. Policies may also cover related water activities like snorkeling or swimming. You may also be able to find specific travel insurance coverage if you are planning to dive while on a cruise .

Benefits of Scuba Diving Insurance

In addition to offering medical coverage, scuba diving travel insurance is worth the investment if you use the specific benefits it offers. Though these plans focus on health insurance and emergency services, some include other benefits, such as protection for lost or damaged dive equipment.

Here is a closer look at the benefits you can enjoy with dive insurance.

Financial Protection

Divers Alert Network puts the cost of an air ambulance at $20,000, and additional exams, monitoring, and hyperbaric chamber treatments can raise the price tag even higher. If you have dive coverage, the insurance provider covers these costs.

Policies also protect your gear from damage during transport or while in the water, so you do not have to pay resulting expenses out of pocket.

Emergency Assistance

Scuba diving insurance provides access to emergency assistance specific to scuba diving incidents. For instance, dive policies cover search and rescue operations, specialized treatment and air evacuation.

Peace of Mind

Scuba diving insurance can offer peace of mind by combining financial and emergency assistance. Each time you strap on your tank and venture underwater, you can focus on the experience instead of being preoccupied with what-ifs. You can rely on the insurance company to handle emergencies, and you are free to enjoy your diving.

Frequent scuba divers can also purchase an annual policy to cover an entire year.

The Divers Alert Network publishes examples of members who filed insurance claims for diving-related accidents. Here are three examples:

A diver suffering from barotrauma in Honduras:

After multiple days of diving within recreational limits, a diver began to display signs of decompression sickness (DCS) and experience neurological symptoms. After being evaluated by a dive medicine specialist, the diver was diagnosed with severe barotrauma and DCS. The cost of treatment was $31,763. Her primary insurance covered a fraction of these expenses, but DAN Dive Accident Insurance helped cover the remaining eligible expenses.

A diver with decompression sickness in the Maldives: 

During a trip to the Maldives, a couple experienced skin rashes, dizziness and nausea after their second day of diving. When the wife collapsed, they were rushed to the hospital, and both were diagnosed with decompression sickness. The divers underwent several days of hyperbaric treatments, which cost $33,697.00. They had no travel insurance or health insurance, but their DAN Guardian Plan paid 100% of their eligible medical expenses.

A second diver with Type II (severe) decompression sickness in the Maldives: 

Twenty minutes after surfacing, a DAN member in the Maldives experienced vertigo, shoulder pain, tingling sensations and a rash. When he arrived at the local clinic he was unable to stand, and over the next several days he underwent six hyperbaric treatments. This member’s Guardian dive accident insurance plan covered the majority of his medical treatments, his lost liveaboard expenses, trip cancellation fees for his future scheduled dive trip and extra accommodations fees he incurred during treatment.

Tips for Choosing the Right Dive Insurance Policy

The right scuba diving insurance depends on your needs, travel plans and diving style. Here are some factors to consider as you research the best travel insurance for your needs.

Coverage Limits

A coverage limit is the maximum amount an insurance provider will pay for a given claim. For instance, a medical emergency coverage limit could be $250,000, while lost or damaged equipment limits might be $2,000. You should always opt for a policy that has high enough limits to cover any potential expenses you might incur.

Insurers often exclude scuba diving from standard travel policies. Specialized scuba coverage may also have exclusions related to dive depth, location (reef or open water) and type of equipment. Look for a policy that covers your diving plans.

Premium Costs

Premiums can vary depending on your insurer, coverage limits and deductible. We recommend comparing policies with the same or comparable coverages and coverage limits. The cheapest options often have low maximums or high deductibles that could result in you paying a significant amount out of pocket when filing a claim.

You should also look at an insurance company’s reputation, reviews and available services. The top insurers offer a straightforward claims process and 24/7 emergency support. You can also look at online customer reviews to get insights about the provider’s claims process and customer service.

Terms and Conditions

It is important to look at the fine print for exclusions, requirements and information about the claims process. Insurers disclose these details in a policy’s terms and conditions. You want to ensure your policy does not exclude any coverage you may need.

Is It Necessary to Have Diving Insurance?

Scuba diving insurance covers the risks associated with diving. Standard travel insurance policies often exclude diving protection due to the dangers of the activity. While some insurers allow you to purchase an add-on, you can also buy stand-alone insurance or get an annual scuba diving plan to protect against the unique risks associated with this adventure activity.

While scuba diving insurance does add another expense, it can provide vital financial protection. Most policies are relatively affordable for the scope of coverage offered. Many dive professionals strongly advocate having insurance for the activity. Assessing personal risk tolerance at the locations you’ll dive in can help determine if it should be a priority purchase or not.

Frequently Asked Questions About Scuba Diving Insurance

Do you need insurance to scuba dive.

You do not typically need insurance to scuba dive, but a policy can provide support in the event of an accident or emergency. Divers seeking insurance will likely need additional coverage beyond a standard travel policy. Most travel plans exclude activities like scuba diving or require you to purchase coverage as an add-on. Stand-alone or add-on dive insurance covers search and rescue, emergency evacuation and dive-related medical care like hyperbaric treatments.

Recreational divers typically need a standard insurance policy, but those diving below 130 feet, mixed-gas divers, free-divers, and other specialists or professionals will need additional coverage.

How much does DAN dive insurance cost?

The Divers Alert Network or DAN offers insurance policies to divers who have a membership with the organization. Current member dues are $40 to $75 annually for regular and enhanced memberships, respectively, or $60 to $100 for families. Membership includes basic evacuation coverage, and the enhanced tier includes coverage for search and rescue costs. Both membership levels qualify you to purchase full dive accident insurance.

Generally, the cost of a dive accident policy varies depending on your age, experience level, dive plans, and pre-existing medical conditions.

What is the difference between DAN membership and insurance?

DAN’s regular and enhanced memberships qualify you to purchase insurance coverage. However, DAN states that membership alone does not cover the entire cost of rescue or medical assistance following a diving accident. You also need to purchase Guardian, Preferred or Master insurance plans.

Guardian and Preferred policies cover dive accidents up to $500,000 and $250,000, respectively. The Master policy has a $ 125,000-lifetime limit.

What are the benefits of a DAN membership?

A DAN membership qualifies you for dive accident coverage. You also get dive safety consultations, a subscription to Alert Diver magazine and access to a 24/7 emergency hotline. Enhanced memberships include global security evacuation and search-and-rescue coverage. Members also get TravelAssist, which provides transport and care if you have a diving-related medical emergency more than 50 miles from home.

Best Travel Insurance for Scuba Diving

Buying travel insurance for scuba diving is a confusing process. Is it worth it? What companies offer the best policies?

I never considered purchasing travel insurance for scuba diving until I heard a few horror stories – and had a few of them myself.

Dive gear getting stolen. Entire trips getting rerouted and canceled. Medical emergencies. The list goes on and on of what could possibly go wrong.

These situations happen all the time. So why not insure your next dive trip? It’s an affordable way that may save you thousands of dollars, valuable time, and many hair-pulling phone calls.

Do you need travel insurance for scuba diving?

To buy or not to buy, that is the question. And honestly, the answer is entirely personal. Many people travel and dive without insurance, and it seems to work out fine. I’ve done it a few times myself.

But after years of meeting people where something horrible did happen, I’ve rethought that stance. So today, if someone asks me, “Should I purchase insurance for my next dive trip?” I answer with:

YES! Everyone should purchase dive travel insurance in some capacity.

Why? Because shit happens. Gear gets stolen. Trips get canceled. Medical emergencies arise – particularly in a sport as risky as scuba diving.

Real-Life Examples of Why You Need Travel Dive Insurance

I often dive and guide an older woman who frequently visits the Fort Lauderdale area throughout the year. Over the two years I’ve been diving with her, she’s still trying to purchase all her scuba equipment. Again.

During a quick pit stop while diving in Saint Lucia, her dive gear was stolen from her rental car. Equipment worth thousands went in one instant. Today, she’s still trying to repurchase every piece of gear from the pricey checklist of gear required for scuba diving.

Another time was aboard the vessel we work for in Fort Lauderdale. Now, in scuba diving, particularly if you work on a vessel, it’s not a matter if something bad happens. It’s when it happens.

On this day, a gentleman visiting the area from Brazil decided to suck his tank down to zero and shoot to the surface from 70 feet down. HIGHLY not recommended.

Needless to say, he needed medical attention, and the USA certainly isn’t known for its affordability regarding medical services. Unfortunately, on top of a medical ailment, this guy had a hefty hospital bill by the end of his dive travels.

Simply put, it happens. No matter how careful you may be. It’s only time until Murphy’s law comes for you.

Who sells travel insurance for scuba diving?

The most thorough dive insurance, specifically designed for dive travel, is through World Nomads . Their keystone promise is, “Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere worldwide.”

I purchased their insurance during my dive travels in Australia and Thailand and would do it again in a heartbeat. Although I was lucky not to need it during those trips, it helped me sleep at night, knowing that if anything did happen, I’d be well taken care of.

Four Reasons to Purchase Travel Insurance for Your Next Dive Trip

Although the list is extensive, these are the four main reasons you should purchase travel insurance for scuba diving from World Nomads :

1. Trip Protection

In the post-COVID world, trip protection is key. What if you need to cancel your trip? What if the dive operators cancel your trip? Hell, what if the dive operators go under?! These are all possibilities in today’s volatile economic climate.

Those reasons, amongst others, are enough to purchase a plan before your next dive trip.

2. Emergency Medical Insurance

To me, this is the biggest one. Scuba diving is inherently risky. Emergencies happen. Medical ailments arise. Even if you’re the most careful diver, these situations are never off the table.

That’s why, particularly if you’re diving in a foreign country, you must cover yourself if you ever need medical attention. It happens constantly – people getting stuck away from home because they can’t pay a medical bill. Don’t let that be you.

3. Emergency Evacuation

In the same breath, how would you get help if you needed medical attention? Transport to and from the hospital is often the most pricey aspect of the ordeal.

World Nomads offers Medivac back to your home country, ambulance rides, and sea level medical evacuations.

4. Protect Your Gear

But all in all, if anything were going to happen, it may just be this: your gear getting stolen .

Sure, it’s not the end of the world. But scuba gear is expensive. Like really expensive. Best not risk it!

Oh, and not to mention, World Nomads also includes gear like GoPro cameras, laptops, backpacks, sleeping bags, camping tents, etc. Almost every aspect of your travel pack will be covered!

Scuba Activities Included in a World Nomads Plan

The best part? The entire company is run by avid scuba divers. They understand diving and they understand you. Here are just a few scuba-related activities they cover:

• Recreational scuba diving (qualified divers to 50 meters)
• Discover scuba dives (with qualified instructors)
• Shark cage diving, cavern, cave, and wreck diving
• Snorkeling, island escapes, live-aboard trips and  more

Get a Quote

Still considering it? Punch in your trip details at their website to get a quick quote and see if it’s worth it!

🤿 Get a Travel Insurance Quote : Head to World Nomads to get a quote on your next scuba diving adventure!

Travel Insurance for Scuba Diving Tips

• Read the fine print! Know what situations you’re specifically covered for.
• Take photos of all your gear with date stamps in the case of stolen items.
• Receipts are always a good idea to hold onto.
• Have a digital copy of the insurance policy AND hard copies in a dry bag during your dive trip.
• In the case of theft, file a police report but keep it vague. Don’t give insurance companies any room to deny a claim based on your story.

Dive, dive, dive!

You’ve worked all year long to set sail to the tropics for some scuba diving! Protect your trip and insure your diving so you’re not left with a bill of epic proportions after your vacation.

Travel Planning Resources for Dive Travel

Book Your Flight: Book cheap flights on Skyscanner , one of the best tools for finding good deals.

Rent a Car: Discover Cars compares prices all over the globe – finding you the best deal on a car rental.

Catch a Bus : Whenever searching for bus tickets, we love using BusBud to find the cheapest fares.

Book a Place to Stay: Booking.com is a great resource for comparing hotels and guesthouses. Or book a local apartment rental on VRBO !

Budget Accommodation : Hostelworld is the best site to find quality hostels.

Protect Your Trip : Protect yourself from theft or gear damage! World Nomads covers all things scuba diving while traveling.

Travel Scuba Gear : Check out the top-rated scuba diving gear designed for travel.

Enjoy this Post? Pin it!

Read More Scuba Diving Travel Tips

We hope you enjoyed our post on buying travel insurance for scuba diving. Hopefully you’ll find it useful on your next adventure! Here are a few more ocean-loving articles we think you should read next:

• How to Visit Lime Out VI in 2024 (Tips for Visiting the Floating Taco Stand on St. John)
• 13 Unforgettable Adventures to Experience in Puerto Rico
• Honeymoon Pt. 3: Exploring Domes and Steps Beach in Rincón
• 13 Tips for Hiking the Angelito Trail in El Yunque
• Honeymoon Pt. 1 – Exploring the Streets of Old San Juan

Have you ever purchased dive travel insurance? How was the experience? Let us know in a comment below!

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DiveAssure - Honest Review & Test 2024

Review Summary

Get it here, first impression.

Of course, we also read other opinions online but in the end, nothing beats real world experience. So we took the time for a thorough DiveAssure test and review! Below you find everything you need to know, including features, specs and what we like, and don't like about it.

DiveAssure is a great all-inclusive provider of diving and travel-related insurance that stands out with its superb liveaboard coverage.

What We Like

• Includes "lost diving days" coverage
• Good support
• Covers technical diving

Reasons to Avoid

• Not the cheapest

Already know the DiveAssure is for you?

In that case, click on one of the links below for the latest prices. If you are undecided still, read the rest of the review to find out if the DiveAssure is what you're looking for!

In a hurry and looking for the gist of things? Here is our review in short. Keep reading for the entire version.

DiveAssure is a pure scuba diving insurance provider that offers great coverage with their DiveSafe and Dive & Travel plans. All types of diving accidents are covered, as well as the full cost of any hyperbaric oxygen chamber treatments.

There is no depth limit and every type of diving is covered. From recreational to technical and cave diving, with air or mixed gases.

The same holds for solo and ice-diving.

Our favorite part about the DiveAssure offering is the option to expand the DiveSafe plan to include travel insurance that covers lost dive equipment, missed diving days due to flight delays, and even liveaboard coverage.

The Dive & Travel plans are even better because they include travel insurance for up to unlimited trips per year, including lost baggage and damaged scuba gear coverage. What’s not to like about that?

The DiveSafe plans start at around 69€ per year while the Dive & Travel basic plan is slightly more expensive. If you only dive in your home country, the basic plan is more than enough.

However, if you are a frequent traveler, we recommend at least the Dive & Travel package, as it’s just too good to miss out on that equipment coverage.

The family option comes at a 10% discount on all dive plans and is really worth it if you are a family of avid divers. After all, the more people join on a vacation, the higher the chance that something may go unplanned.

A drawback of the DiveAssure insurance plans is that diving in the US is not covered for US citizens. If you are a US citizen wanting to cave dive in Florida, you will have to look elsewhere in that case.

It must also be said that, in comparison to aquaMed, travel insurance is not included in the basic plan. However, the DiveAssure travel insurance is much more extensive than the former.

DiveAssure does not impose any limits on diving depths and the types of diving you do.

Mixed gases, rebreathers , solo, and cave diving all fall under the policy without any additional cost.

The coolest part about the Dive & Travel options is the liveaboard coverage which will reimburse you for any missed diving days on a boat in the case of delayed flights.

If you travel for a long time to get to your destinations, things can happen. Quite a few people have missed their liveaboard when their flights were delayed, their luggage didn’t arrive or something else went wrong.

DiveAssure Pros

• Great coverage
• Extensive upgrade options
• Excellent customer service
• Diving liability insurance included
• Short-term options available
• Family insurance at 10% discount
• Tech, cave & solo-diving included
• Equipment damages from accidents covered

DiveAssure Cons

• Does not cover US citizens when diving in the US
• Travel insurance only included in higher-tier plans
• Not the cheapest option

Verdict: A-

If you are willing to spend some extra money on your diving insurance, DiveAssure is the way to go. They might be more expensive, but the added benefits for scuba divers are undoubtedly worth it.

A good part about this insurance is also that it is available to anyone and not restricted to Europe or the USA.

If you have any other questions or need advice, leave us a comment below and get the conversation started.

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Where to Buy

• Buy on DiveAssure

Thanks for the review! I just finished my Open Water course and will be going to the Maldives in two weeks. Do you think the “Dive&Travel Plus” plan is worth the additional cost over the “Dive&Travel” for that? Thanks for your help.

Hi Chris, thanks for your comment! In general, the normal Dive & Travel offers great coverage and the Plus plan is meant for those who like to travel a lot and to exotic diving destinations.

In your case, I believe the “Dive & Tavel” plan should be enough, assuming you stay at a resort. Do you have your own scuba gear that you’re traveling with? In that case, the Plus plan covers a higher value. Otherwise, if you are going on a liveaboard diving trip or have a lot of connecting flights, then I think the “missed flights” coverage in the Plus plan is better.

Hope this helps and if you have any other questions, let me know!

Cheers Julius

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Free diving travel insurance

Free diving has very high risks associated with it and it's important that you have a travel insurance policy which has free diving covered as standard and which will provide full medical assistance if an incident occurs when taking part in this sport.

Booking insurance online for Free diving

The insurance booking engine above has been preprogrammed to return the correct premium to cover free diving as standard whilst travelling abroad as well as any other sports in the same risk category or lower. These activities can be viewed on the results page under the activities tab or in the full policy wordings on display. 

You must choose the dates for the full journey, starting from and end at your home and not the dates of the activity.

All of the activities are covered on a non-professional and non-competitive basis. Any claims which arise whilst undertaking any of these activities for any purpose other than leisure (examples of non-leisure purposes include professional/semi-professional / paid/sponsored racing, timed events – unless otherwise specified, professional, display events, photo shoots, etc...) will not be covered under this policy. We consider ‘professional or competitive’ to be activities/sports where you are either paid for participating in, receive any element of sponsorship, fees or prize money in excess of £200.

Safety guidelines provided from a professional event company or organiser must be followed and appropriate safety equipment must be worn. Failure to do so will invalidate a claim. If you are unsure please do not hesitate to contact us on 0843 459 0876 and we can discuss your individual requirements.

If you have an any queries about our travel insurance policies and need clarification on any aspects of the cover then do not hesitate to use livechat or call and speak to an agent on 08434 590 876, we are open 7 days a week to provide assistance.

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Free Diving Travel Insurance

If you plan to be Free Diving whilst abroad, you should ensure you have a Travel Insurance policy before leaving your home. Some people consider Free Diving to be any Swimming or Diving that doesn't involve equipment. To get a quote by telephone or email, contact us at 0800 043 0020 / 01273 092 757

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If you plan to be Free Diving whilst abroad, you should ensure you have a Travel Insurance policy before leaving your home.

Some people consider Free Diving to be any Swimming or Diving that doesn't involve equipment.

To get a quote by telephone or email, contact us at 0800 043 0020 / 01273 092 757 [email protected]

• Summary of Cover

Free Diving

• Common Injuries

Free Diving Equipment

Pre-existing medical conditions, useful websites, summary of cover (per person).

* Excess  payables vary depending on the claim benefit.

Please read the Policy Wording for the complete list of Benefits.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.

One particular form of Free Diving involves participants trying to reach large depths, stay underwater for periods, or cover great distances on a single lungful of air.

In certain cultures, Free Diving was and still is a means of gathering food from the bottom of the sea, collecting pearls, or looking for treasures in a sunken ship.

Even in Ancient Greece, Free Diving was described as a commercial activity, and sponges were mentioned as bathing aids by both Homer and Plato.

Competitive Free Diving is a modern sport that consists of various disciplines.

There are numerous categories, ranging from free immersion apnea to no-limits apnea to dynamic apnea with and without fins.

This adventure sport is regulated by two governing bodies: CMAS and AIDA , each with its own rules regarding record attempts.

They want to enjoy diving as a leisurely activity, not restricted by rules or equipment.

Free Diving has many advantages: no equipment is needed, making it a cheap sport; Divers are much faster and much more flexible; no preparation is required, and there are no obstructing air bubbles or distracting sounds.

Cave Diving may also be done as a free dive (although it generally happens with Scuba Diving gear).

Free Diving can be done by anyone who can swim, but more experienced divers will be more successful.

Specific breath-holding techniques can be acquired and used through practice, which can significantly prolong the dive.

Common Injuries 

There is one obvious risk involved with Free Diving, especially during deep dives: the risk of running out of oxygen before reaching the surface again.

Other well-documented risks include shallow water blackouts, a physical condition that causes divers to faint underwater, which without oxygen tanks is often lethal, and hyperventilation, which makes divers think and feel like they have more oxygen in their bodies than they do.

Free Diving accidents are almost always related to suffocation. Therefore, if you need First Aid or need to be transported to a hospital, you must have the proper Travel Insurance.

The beauty and freedom of Free Diving lie in the fact that no expensive equipment is needed.

However, some people like to use fins to increase their area of movement, while most people prefer goggles to improve visibility.

If you have pre-existing medical conditions and plan to participate in Free Diving ,  we can provide you with a policy. 

Our provider  (Adventures)  can offer travel insurance, including Free Diving if you have a pre-existing medical condition.

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JS Travel Insurance is the trading name of Jade Stanley Limited, 5 Chapel Mews, Waterloo Street,Hove, East Sussex, BN3 1AR, Telephone: 0800 043 0020 . Jade Stanley Ltd is authorised and regulated by the Financial Conduct Authority. FCA Registration number is 306205

2 Types of Travel Insurance That Covers Snorkeling & Scuba

Not all travel insurance is created equal when it comes to snorkeling and scuba diving.

Did you know that snorkeling and scuba diving are often specifically excluded from travel medical insurance plans, and that your regular medical insurance usually doesn’t work at all outside of your home country?

That’s kind of a problem. While something like snorkeling is generally considered to be a safe activity [ source ], I’ve found having travel medical insurance on every trip to be super important for me. And, I want travel insurance that covers snorkeling in particular (or even scuba diving).

Even with something minor — say I trip on something on the boat and sprain my ankle — I don’t want to worry about where to go, how much it will cost, how to pay, or anything else like that. I can just call my travel insurance company and they’ll tell me everything that needs to happen in order to get it taken care of and get it covered. Even if the cost of a sprained ankle wouldn’t be financially devastating, I’d still rather have the costs covered and the worry about how to handle it all kept to a minimum.

Or, let’s say something serious happened and I needed urgent medical attention, maybe even enough so that I need to be transported to a different city or country with a better medical infrastructure. The cost for that transportation alone can run anywhere from $20,000 to $220,000 [ source ], and that doesn’t even include the cost of any medical care needed.

Yeah. I’d much rather have travel insurance that can cover something like that.

And, since travel insurance ends up being such a small cost relative to the overall amount of any trip I’ve taken, it’s been a no-brainer for me to spend a few extra bucks to protect it, along with my own health and wellbeing.

The problem, though, is that many travel insurance companies explicitly exclude coverage for anything that happens during activities like snorkeling or scuba diving. Your regular medical insurance also more than likely would cover little to nothing if you happened to be injured outside of your home country, possibly leaving you open to big medical bills.

There are a lot of reasons for this. If you’re interested, you can read our other article on the ins and outs of covering snorkeling through travel medical insurance at Does Travel Insurance Cover Snorkeling? 3 Critical Realities .

Otherwise, we’ll just dive into travel insurance that covers snorkeling and scuba diving to make finding a plan that does actually cover what you need to cover that much easier.

Travel Insurance That Covers Snorkeling and Scuba Diving

My travel style, in general, is to rigorously research a general framework for a trip (transportation, best times of year to go, etc.) while still leaving some room for unexpected adventure once we arrive. That works great for us as a nice balance between rigid planning and playing it by ear, but I’m not looking for that same plan when it comes to travel insurance. Instead, travel insurance gets the fully-rigorous research treatment from start to finish.

After putting in hours of research once I started traveling and snorkeling extensively, World Nomads and Allianz Travel Insurance demonstrated themselves as travel insurance companies that could cover snorkeling. And, they both have popular travel insurance plans.

They each do have some differences between them, so I’ll outline how they work so you can make the best decision for your own travels.

Designed for Active Travelers: World Nomads Travel Insurance

World Nomads first showed up on my travel insurance radar because of their high ratings as far as customer service and low complaint numbers regarding claims, which, if you’ve ever dealt with an insurance company in any capacity, is appealing.

World Nomads is a unique travel insurance company that’s actually been custom-built for more adventurous travelers. As such, they explicitly cover snorkeling and scuba diving in both their Standard and Explorer insurance plans . You may not have heard of World Nomads even if you’re in the U.S., but they’re underwritten by Nationwide (a huge name in insurance here).

And, since World Nomads is focused on adventure travel, a whole mess of other adventure activities can be included, like bungee jumping, white water rafting and parasailing in their Standard plan, or hang gliding, shark cage diving and even wingsuit flying in the Explorer plan — things that almost always are explicitly not covered in many other companies’ travel medical insurance plans. Also, to alleviate any fears, “air guitar” is included in the Standard plan — woo!

Both World Nomads’ Standard and Explorer plans are meant for active travel (Explorer, as expected, has higher coverage limits), and it partially comes down to what you’ll be doing on your trip. If you like, you take a look at what’s covered between each plan and let your activities guide you.

Also, World Nomads lets you upgrade your plan after you buy it, so if you’re abroad and want to do something that’s covered by an upgrade to the Explorer plan which isn’t under Standard, you can make that happen without issue.

Another beautiful thing about World Nomads is that they are able to offer travel insurance to residents of over 140 countries, which is hugely helpful for my friends whose country of residence is not the U.S.

World Nomads offers online quotes, only requiring your destination, dates of travel, age and where you live. They aim to grant the best peace of mind for active travelers, and make getting a quote from World Nomads before your next snorkel (or wingsuit diving) widely available.

For travelers who are at all adventurous, World Nomads is an option for travel insurance that covers snorkeling (and more).

Open to American Travelers Over 70: Allianz Travel Insurance

Also ranking positively in the customer service and claims ratings is Allianz Travel Insurance, and if you happened to be excluded from World Nomads because you (or someone you’re traveling with) are over 70, they may be an option for you.

At first, I wasn’t able to find anything explicitly about snorkeling in their plans or on their website, so I contacted them directly and an agent confirmed that normal snorkeling and even scuba diving would be covered, provided that the activity wasn’t done in a way that would make it an extreme or high-risk activity, like free diving or scuba diving at depths below 60 feet or without a dive master. (However, you should always contact Allianz directly if you want to confirm coverage for your situation or have any questions.)

They currently have three plans with both medical and travel benefits for single vacations: OneTrip Basic , OneTrip Prime and OneTrip Premier . Each of these should cover regular, safe snorkeling and have various coverages not only for emergency medical expenses, but dental expenses, emergency medical transportation, trip cancellation/delay, baggage issues, etc. Or, if you are only interested in medical benefits, their OneTrip Emergency Medical plan will come in a bit cheaper without the travel benefits.

Additionally, Allianz does not have an age limit for individuals which you can cover with one of their policies. That’s definitely not always the case with travel medical insurance, so it’s a really nice option if traveling with parents or grandparents (or yourself!) who are over 70.

However, these specific Allianz Travel Insurance products aren’t available to those outside of the United States (there are separate and different Allianz international versions out there, though) and they generally have a more expansive list of what is considered an extreme, high-risk sport or activity with exclusions like bungee jumping, some rafting/kayaking, hang gliding, etc. So, if you’re outside the U.S. or want to include more activities in your coverage, World Nomads above may offer the type of coverage you’re looking for.

Allianz also offers online quotes, only needing your age, travel dates, destination, state of residence and total trip cost to give you a price. From there, you’re also able to buy a policy since everything can be done online and the coverage documents are emailed directly to you.

For U.S.-based travelers over 70, Allianz is a travel insurance that covers snorkeling and you can get a quote from Allianz Travel Insurance online here before your next snorkeling trip.

The Deep Dive

Personally, I won’t travel without travel medical insurance anymore. The risk (however big or small it might be) of never being able to travel or snorkel again because of a financial or physical problem that could have been prevented just isn’t worth it as far as I see it. And, with travel medical insurance often being relatively inexpensive (I’ve had 3-week trips across multiple hemispheres covered well for two people for less than a hundred bucks), it’s a no-brainer for me.

It’s always a good idea to check directly with an insurance provider to make sure that they cover what you need to cover, but World Nomads or Allianz are options if I’m looking to make sure that snorkeling (and whatever else I might be doing) is covered. You can read up on each company and get a quote from World Nomads if you’re under 70, or a quote from Allianz if someone in your group is 70 or above, to see which works best for you before your trip. Safe travels!

Learn more about how exactly travel insurance works with things like snorkeling or scuba diving (and a lot of other things you should know, especially in the “bonus” section) at Does Travel Insurance Cover Snorkeling? 3 Critical Realities , or cost information over at How Much Does Travel Insurance Cost? A Helpful & Clear Guide .

Also, make sure that the rest of your travel snorkel gear is up to date below:

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Love snorkeling? Join us for our favorite trip plans, insider gear alerts, destination maps, and plenty of other useful snorkel info.

• Travel insurance plans

Tin Leg Travel Insurance Cost

Compare tin leg travel insurance.

• Why You Should Trust Us

Tin Leg Travel Insurance: An In-Depth Review

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Before finalizing your travel plans, look into various insurance policies to safeguard yourself against potential risks. Travel insurance is an invaluable resource that can protect you from many unforeseen issues, but not all companies provide the same level of coverage. And some companies' policies may cost more than others.

That's where Tin Leg Travel Insurance comes in. Created by travel agency Squaremouth, Tin Leg Travel Insurance offers eight different plans with varying coverage levels and benefits, with the option to add Cancel for Any Reason (CFAR) coverage to select plans. Keep reading to see if Tin Leg Travel Insurance is the right travel insurance for you.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Overview of Tin Leg Travel Insurance

Tin Leg Travel Insurance is a travel insurance provider founded in 2014 by travel insurance aggregator SquareMouth. With eight different plans, Tin Leg Travel Insurance is one of the providers listed in our guide on the best travel insurance companies , specifically for travelers with pre-existing conditions. We chose Tin Leg Travel Insurance because seven of its eight plans offer pre-existing condition waivers, with a 15-day purchase window and no extra cost.

That said, Tin Leg Travel Insurance has other coverages that are noteworthy. Its coverage limits for emergency evacuation go up to $1 million, which is great particularly if you have nautical travel plans as water-to-land rescues can be costly.

Additionally, sports equipment loss is included with seven of Tin Leg Travel Insurance's eight plans. However, you will need to call for more information on adventure sports, as Tin Leg Travel Insurance doesn't guarantee coverage.

Tin Leg's Travel Insurance Plans

Tin Leg Travel Insurance travel insurance offers eight travel insurance plans: Economy, Basic, Standard, Luxury, Adventure, Silver, Platinum, and Gold. Each plan offers varying levels of protection that correspond to the premium costs.

Here's a look at what you'll get with each plan. We've split the eight plans into two tables to make things easier to follow.

Here's how the Adventure, Silver, Platinu, and Gold plans compare:

Additional Coverage Options

Tin Leg Travel Insurance travel insurance offers additional coverage options, but they're only available on specific plans.

You can add rental car damage coverage to the Luxury plan for an additional fee. And both the Gold and Silver plans allow you to add on CFAR (cancel for any reason) coverage . With CFAR coverage travel insurance, you can cancel for any reason not listed in the base policy and be reimbursed — in the case of Tin Leg Travel Insurance, for 75% of your trip costs.

How to Purchase and Manage Your Tin Leg Policy

Travel insurance coverage varies greatly, and  the amount you pay reflects the range of protection . However, since travel insurance protects your financial investment, it's typically worth spending a few extra dollars for higher coverage maximums, especially for medical insurance and evacuation expenses.

Getting a quote from Tin Leg Travel Insurance travel insurance is an easy process. You can do so from their website or an insurance aggregator like SquareMouth. You should be prepared to provide the following information:

• Number of travelers
• Age of traveler(s)
• Duration of trip
• Whether you want trip cancellation coverage
• Date of booking
• If you have any trip payments left to make
• One country you're traveling to
• Country of residence/citizenship

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Tin Leg Travel Insurance's coverage costs.

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  Tin Leg Travel Insurance travel insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 1.8% and 3.9% of the trip's cost, well below the average cost of travel insurance . It's also relatively cheap compared to many of its competitors

Tin Leg Travel Insurance provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

Once again, premiums for Tin Leg Travel Insurance plans are between 3.4% and 5.2%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following Tin Leg Travel Insurance quotes:

Premiums for Tin Leg Travel Insurance plans are between 6.9% and 9.4%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to File a Claim with Tin Leg Travel Insurance

One exceptionally nice aspect of Tin Leg Travel Insurance is that you can report a claim online or over the phone. You can contact Tin Leg Travel Insurance's claims department at 844-240-1233 or by email at [email protected] . It's available on weekdays between 8 a.m. and 4 p.m. ET.

You'll be asked to fill out a claims form that asks about your trip details and the issue you faced. Tin Leg Travel Insurance will then ask you to file supporting documents related to your claim. If you're filing a claim because you canceled a flight due to an illness, they'll likely require medical documentation that supports this claim. 

Tin Leg Customer Service and Support Experience

Tin Leg Travel Insurance is well reviewed, receiving an average of 4.6 stars out of five on SquareMouth across nearly 3,800 reviews. Reviews on its Better Business Bureau are consistent with its SquareMouth score, also averaging 4.6 stars across over 110 reviews, admittedly a limited sample size. Additionally, Tin Leg Travel Insurance is not certified with the BBB.

While most customers reported a smooth and speedy claims service, some noted that communication from Tin Leg Travel Insurance during the process can be spotty. Additionally, customers complained about their claims being denied due to requirements they were unaware of when purchasing coverage. One customer wrote about how they had to cancel a trip because of work, but hadn't been working at their company long enough to qualify for trip cancellation coverage.

See how Tin Leg Travel Insurance travel insurance stacks up against the competition. 

Tin Leg Travel Insurance vs. AIG Travel Guard

To compare Tin Leg Travel Insurance travel insurance to Travel Guard , we'll consider the coverage limits from their highest-rated, Gold and Travel Guard Deluxe plans, respectively.

With AIG Travel Guard's Deluxe plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $100,000
• Coverage for baggage loss, theft, or damage up to $2,500
• Travel delay coverage of up to $1,000

Comparing those coverages with Tin Leg Travel Insurance's Gold plan, you'll see that AIG's coverages are better than Tin Leg Travel Insurance's in all areas except one – emergency medical. While AIG offers emergency medical coverage of $100,000, Tin Leg Travel Insurance's coverage limit is $500,000 (in primary coverage).

If the medical coverage piece is what's most important to you, Tin Leg Travel Insurance would be the right choice in this scenario. That said, having $100,000 in emergency medical coverage is nothing to scoff at, so it may come down to comparing premium costs.

Remember that the premium costs will depend on the traveler's age, trip destination, and trip cost. So you'll need to compare these two insurers using your trip-specific information to get a solid idea of the costs associated with each plan.

Read our AIG Travel Guard insurance review here.

Tin Leg Travel Insurance vs. Allianz Travel Insurance

Both Allianz Travel Insurance and Tin Leg Travel Insurance travel insurance offer a variety of travel insurance plans designed for different types of travelers with varying types and degrees of coverage.

In this comparison, we'll look at Allianz Travel Insurance's most popular single-trip plan, the OneTrip Prime plan, compared to Tin Leg Travel Insurance's Basic plan.

With Allianz Travel Insurance's most popular single-trip OneTrip Prime plan, you'll get:

• Up to $100,000 in trip cancellation coverage
• Up to $150,000 in trip interruption coverage
• $50,000 in emergency medical coverage
• Up to $1,000 in coverage for baggage loss, theft, or damage
• Up to $800 in travel delay coverage

In looking at Tin Leg Travel Insurance's basic plan, you'll find that these two policies offer the same $50,000 coverage limit for emergency medical. Still, Allianz Travel Insurance's plan exceeds Tin Leg Travel Insurance's in the other coverage limits. That said, you'll have to quote both of these policies using your personal trip information to make an informed decision, especially if cost is the most important factor to you.

Read our  Allianz travel insurance review here.

Tin Leg Travel Insurance vs. Credit Card Travel Insurance

Do you have a travel credit card? If so, consider the type of insurance coverage it may (or may not) offer. Some basic coverages, like primary rental car insurance, are provided through your credit card's travel protection . And if you don't need medical coverage or don't have a lot of non-refundable trip expenses, the coverage offered by your credit card could suffice.

That said, don't forget that credit card coverage is sometimes considered secondary coverage. That means you'll have to file a claim with any other applicable insurer before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Tin Leg Travel Insurance FAQs

All policies except Economy cover pre-existing medical conditions as long as you purchase your policy within 15 days of trip deposit.

You have 14 days after you purchase your policy to refund your Tin Leg Travel Insurance policy, as long as you haven't left for your trip. 

All Tin Leg Travel Insurance travel insurance policies include 24/7 emergency assistance services.

Tin Leg Travel Insurance claims can be submitted online or over the phone at 844-240-1233 during business hours. You'll need to provide details about your trip and the problem that arose during your trip. The claims process is quick, according to customer reviews, but be sure to review your policy for guideline related to claims. 

Yes, all tiers of Tin Leg Travel Insurance travel insurance offer cancellation coverage if you or a non-traveling loved one contracts COVID-19, though you will need to provide a positive test to receive reimbursement. 

Why You Should Trust Us: How We Reviewed Tin Leg

To review Tin Leg Travel Insurance travel insurance, we looked at several different factors. These included premium costs, coverage categories, and claim limits. In addition, we compared the policies and premiums available through Tin Leg Travel Insurance to those from the best travel insurance providers to see how they stack up — and also considered any additional add-on coverages available and the ease of getting a quote and filing a claim.

In the end, the best policy for you will be the one that provides the coverage you need and limits you're comfortable with while also staying within budget.

Read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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New Schengen Visa rules: Know changes in travel, insurance trends; senior citizens visiting Europe shoots up by 100%

New schengen visa rules ushered in significant changes in travel and insurance trends, with those aged 70 and above visiting schengen destinations doubling. in the upcoming season, 82% of travellers to europe will visit france, switzerland, italy, germany, netherlands, and spain..

New Schengen Visa rules have resulted in a doubling of Europe-bound senior citizens, a survey by insurance broker Policybazaar.com revealed. The new Schengen Visa rules, announced on April 18, have also spurred significant changes in travel insurance trends over the past few days, including a 3-4 per cent surge in users who booked travel insurance policies, as per the Policybazaar survey.

Travellers to Schengen destinations aged 70 and above have doubled compared with last year's figures. A significant rise in travellers declaring pre-existing diseases was also noted.

The most sought-after add-ons for travel insurance included coverage for baggage or loss of belongings, trip cancellation, adventure sports coverage, and pre-existing disease (PED) coverage, as per the report.

Also read: New Schengen visa rules for Indians: This is how you can get multi-entry two-year visa for 29 European countries

Manas Kapoor, business head of Travel Insurance at Policybazaar.com, pointed out a surge among Europe-bound travellers who booked long-term travel insurance, after the new visa rules came into effect.

The survey noted a 3-4 per cent surge in users who booked travel insurance policies for travels that exceeded 45 days in April 2024. “This trend is expected to rise further due to the relaxed visa norms," Manas Kapoor pointed out.

In the upcoming summer season, 82 per cent of Indian travellers to European countries will be visiting popular destinations like France, Switzerland, Italy, Germany, Netherlands, and Spain, according to the survey.

The survey found a 15 per cent rise in travellers to Europe who declared pre-existing conditions including Diabetes and Hypertension, compared with last year's figures.

Also read: Indians can now apply for multiple entry Schengen visa with longer validity. Check details

But a 40% plunge was recorded in number of travellers buying travel insurance products in Euros.

The new Schengen visa regime entails a stark departure from previous rules. Previously, Indians who wished to travel to one or more European countries were granted Schengen visas for a maximum of three months.

Also read: Schengen visa fee hike: Here’s how costly your trip to Europe can get

Under the new regime, Indians will be granted Schengen visas for two years, thus facilitating their entry to any of the 29 European countries multiple times. This two-year validity is further extendable by 5 years under the ‘cascade regime’. This means Indian tourists can travel and stay in any of these European countries as visa-free nationals for a longer period.

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• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Tick Travel Insurance Top Cover Review: Pros and Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it can be considered a highly competitive player in the market. Travellers will likely appreciate the unlimited medical cover and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind. However, whether Tick Travel Insurance Top Policy will be suitable for you, will likely come down to whether cover levels across other areas of need will be high enough.

• Competitive pricing
• High levels of medical and cancellation cover
• High customer service rating
• Credit card fraud not covered
• Higher levels of luggage cover elsewhere
• Missed connections not covered

Table of Contents

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.

Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.

Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.

This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.

Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.

As typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.

Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:

Lost Luggage

This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.

Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.

While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.

Is Dental Cover Included?

This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.

Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.

What About Pregnancy?

You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.

What About Sports And Activities?

From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.

Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.

Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.

Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.

When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.

The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.

The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.

However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.

You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.

Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.

Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.

However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.

To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

You can also send written correspondence to:

Customer Services Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Additionally, you can send a complaint via post, or email: [email protected] .

Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.

Frequently Asked Questions (FAQs)

Where can i find the tick travel insurance pds.

A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.

Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online .

What is Tick Travel Insurance’s phone number?

Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at [email protected].

For 24-hour emergency assistance customers can call: +612 9333 3963.

How good is Tick travel insurance?

We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.

However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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