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Scuba Diving (up to 40 metres) Travel Insurance

If you are planning a trip abroad and will be Scuba Diving (up to 40 metres), you will need to have a Travel Insurance policy in place before you leave your home.

This provider can also provide cover for Scuba Diving (up to 50 metres) and Night Dives as well.

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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 Scuba Diving (up to 40 metres) 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.

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

Summary of Cover

PART A

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.

PART B

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

Scuba Diving (up to 40 metres) 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 Scuba Diving (up to 40 metres) 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 Scuba Diving (up to 40 metres).

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 or Guide.

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.

Scuba Diving (up to 40 metres)

People who want to dive deeper than 18 metres must be PADI qualified. Generally speaking, most recreational dives are up to 30 metres deep, meaning that all participants need to have a PADI certificate.

Depending on the official diving agencies of specific destinations, recreational dives are limited to a depth of 42 to 50 metres.

Simply put, 50 metres is as deep as you can go on a recreational dive anywhere in the world, while 40 metres is limited to several specific destinations.

Provided you are diving with a certified Instructor or Guide, Scuba Diving is covered by your Travel Insurance to the confirmed depths per Certification Grade, as you can see below.

If you are qualified and are not Scuba Diving alone, you are covered when you stay within the guidelines of the particular training or diving training organisation or agency.

  • PADI Open Water - 18 metres
  • PADI Advanced Open Water - 30 metres
  • BSAC Ocean Diver - 20 metres
  • BSAC Sports Diver - 35 metres
  • BSAC Dive Leader - 50 metres

When you want to go Scuba Diving to a depth of 40 metres, you will be covered by our Travel Insurance only if you have a BSAC Dive Leader Certification and stay within the applicable guidelines of the respective company, agency or organisation that you use.

Common Injuries whilst Scuba Diving

While Scuba Diving is an exciting and popular sport, it is possible to sustain injuries or illness when diving. Some of these include:

30 metres is the depth at which symptoms of Nitrogen Narcosis can occur, so when Diving up to 40 metres, you must pay attention to your body, and your techniques and take breaks to let your body accommodate the pressure. Needless to say; at a depth of 40 metres, the risks are higher than at shallower depths.

Scuba Diving Equipment

If you are not an experienced Scuba Diver, but simply want to explore the aquatic world whilst abroad, the equipment you will need should all be provided to you.

Some of the basic Scuba Equipment that experienced Diver should equip themselves with includes a mask, snorkel, fins, oxygen tank, wet suit, first-aid kit, tank pressure gauge, underwater compass and timer, diving knife, depth gauge, and underwater light.

Pre-Existing Medical Conditions

If you have pre-existing medical conditions and you plan to do Scuba Diving (up to 40 metres) whilst travelling abroad, we can provide you with a policy.

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

Please check the Terms and Conditions for any Restrictions or Exclusions.

Covid-19 / Coronavirus Cover

Our Scuba Diving (up to 40 metres) 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.

European Resident or Already Travelled

Globelink International offers Single Trip and Annual Multi Trip policies if you live in another European country.

This policy will also cover you if you have already left your home country and are already travelling and taking part in Scuba Diving and you need a policy that covers you for the rest of your trip.

After you have chosen your insurance option, you will be asked to add EXTRA OPTIONS.

Please make sure you select Hazardous Pursuits Category 4 so that you are covered for Scuba Diving (up to 40 metres).

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Please read the Policy Wording for any Restrictions or Exclusions.


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