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Free Diving Travel Insurance

If you plan to be Free Diving whilst abroad, you should make sure you have a Travel Insurance policy in place before you leave your home.

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

If you are looking for a policy for a child under 18 years of age, you will need to select Independent Child (Single Trip or Annual Multi-Trip) when going through the quote process.

Please select: Free Diving and you will be automatically covered for Leisure and Free Diving (Amateur Competition).


This policy will provide cover up to the age of 69 years.

Personal Liability and Personal Accident are covered.

Please Note: We can cover just the day or days that you will be taking part in Free Diving if you already have a Travel Insurance policy in place. When getting a quote and purchasing a policy, you must take out Adventures Party A Only, so the cover is valid.

Please read the Policy Wording for any Restrictions or Exclusions.

To get a quote by telephone or email, contact us on 0800 043 0020 / 01273 092 757 / support@jsinsurance.co.uk

Summary of Cover


Section & Cover Limit Per Person Excess
Medical Expenses and Repatriation £10,000,000 £100
Search & Rescue £50,000 £500
Personal Liability £2,000,000 -
Personal Accident £5,000 -
Activity Equipment* £1,000 £75
Delayed Activity Equipment £200 -
Activity Equipment Hire £300 -
Legal Expenses £25,000 -
Curtailment £2,000 £100

*Activity Equipment is covered whilst in transit, storage and whilst being used.


Section & Cover Limit Per Person Excess
Personal Possessions £2,000 £75
Valuables (incl. mobile phone) £300 £75
Delayed Possessions £200 -
Loss of Personal Money £300 £75
Loss of Travel Documents £1,000 £75
Cancellation (incl Activity Course Fees) £5,000 £100
Travel Disruption £1,000 -
Travel Delay £120 -
Abandonment £5,000 £100

PART C - Independent Traveller Extension

Section & Cover Limit Per Person Excess
Ext. Cancellation or Curtailment £5,000 £100
Ext. Travel Delay £120 -
Ext. Travel Disruption £1,000 -
Accommodation £5,000 £100

Free Diving Travel Insurance is arranged for JS Travel Insurance through PJ Hayman & Company Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 497103). Registered office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Reg no. 2534965. Adventures Travel Insurance is underwritten by  Antares Syndicate 1274 at Lloyd&rsquo's. Antares is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Independent Traveller Extension

Cancellation, Loss of Deposit or Curtailment is extended to include the following cover.

We will pay you up to the amount shown (for each Insured Person) for any irrecoverable unused travel and accommodation costs and pre-paid activity course fees and any other prepaid charges that you have paid or are contracted to pay together with any reasonable additional travel expenses incurred if:

a) You were not able to travel and use your booked accommodation or attend your prepaid activity course.

b) The trip was Curtailed before completion as a result of the Travel Advice Unit of the Foreign, Commonwealth & Development Office (FCDO) or the World Health Organization (WHO) or similar body issuing a directive prohibiting all travel to, or recommending evacuation from the country or specific area or event to which you were travelling providing such a directive came into force after you purchased this Free Diving Travel Insurance or booked the trip (whichever is the later). In the case of Curtailment after you had left your home to commence the trip or closure of air space directly attributable to a volcanic eruption.

Search and Rescue

We can provide Search and Rescue whilst taking part in Free Diving.

This is a benefit which covers you up to £50,000 (Excess £500) and a Local Rescue Organisation will search, rescue and transfer you to a local hospital or we will repatriate you back to your home country if the medical facilities are not up to our standards.

Search and Rescue costs are covered for a period not exceeding 72 hours from the time at which assistance is first summoned.

We recommend that you provide a copy of your Travel Insurance Certificate and the 24hr Emergency Assistance Telephone Number to a member of your Group.

The Emergency Assistance Company will then arrange the Search and Rescue on your behalf.

Important Medical Exclusion

You will not be covered if you are suffering from anxiety, stress, depression or any other mental or nervous disorder on a Single Trip or Annual Multi-Trip policy.

Free Diving

There is one particular form of Free Diving, the one in which participants try to reach large depths, stay underwater for long times 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 or 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.

2,000 years ago in Japan, Free Divers were already collecting valuable pearls.

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 are people who simply want to enjoy diving as a leisurely activity, not restricted by rules or equipment.

There are many advantages to Free Diving, there is no equipment needed, making it a cheap sport; Divers are much faster and much more flexible; no preparation is needed, 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 pretty much anyone who can swim, but more experienced divers will be more successful.

Certain breath-holding techniques can be acquired and used through practice and that can greatly prolong the dive.

Common Injuries whilst Free Diving

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 body than they do.

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

Free Diving Equipment

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

Some people, however, like to use fins to increase their area of movement underwater and most people will prefer goggles to improve visibility.

Pre-Existing Medical Conditions

If you have pre-existing medical conditions and you are taking part in Free Diving whilst travelling abroad, we can provide you with cover.


This policy will provide cover up to the age of 69 years.

This policy does cover Personal Liability and Personal Accident.

Covid-19 / Coronavirus Cover

Our Free Diving Travel Insurance policy can cover you provided the Foreign, Commonwealth and Development Office (FCDO) is not advising against all but essential travel to your destination.

All customers must follow the advice of the FCDO at the time of travel and for the duration of their trip. This includes returning to the UK if the FCDO changes their travel advice based on the risks presented at the time. www.gov.uk/foreign-travel-advice

  • Medical Expenses and Repatriation - if medically necessary, if you or anyone on this policy contracts COVID-19 whilst abroad.
  • Cancellation Cover - if you or anyone on this policy are unable to travel because you have contracted COVID-19 within 14 days of your departure date. This includes a positive pre-travel test. (You will need to add Adventures Part B to your quote and policy).
  • Curtailment Cover - if your trip is cut short if you or anyone on this policy becomes ill with Covid-19.

There shall be no cover if you or a travelling companion on this policy have refused or not taken up an offer of vaccination for Covid-19 (if available to you or a travelling companion and the vaccine requires two doses) for any reason other than genuine medical grounds.

Useful Websites

Go Free Diving

The World Underwater Foundation

Travel Insurance Toolkit

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