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Travel Insurance > Sports & Activities > Scuba Diving (up to 40 metres) Travel Insurance

Important Information About Our Policies

Our Travel Insurance Policies provide cover for Emergency Medical Treatment if you catch COVID-19/Coronavirus whilst you are abroad.

There is no cover under any other section of the policy for anything caused by or relating to COVID-19/Coronavirus/SARS-CoV-2, any mutation of COVID-19/Coronavirus/SARS-CoV-2 or any pandemic or fear or threat of any of the above. Our policies will not provide any cover if you travel to a destination where the government is advising against all or all but essential travel. Please check the latest advice before you travel: www.gov.uk/foreign-travel-advice. Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or "all but essential" travel. Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-CoV-2), any mutation of Coronavirus, COVID-19 or SARS-CoV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses. This general exclusion applies to all sections of cover except for the Emergency Medical Expenses section. Click here for more information.

Scuba Diving (up to 40 metres) Travel Insurance

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

This policy can provide cover for Scuba Diving up to 50 metres and Night Dives as well.


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

If you prefer, you can contact us by telephone or email, on 0800 047 5065 (FREEPHONE) or 01273 773 017 info@jsinsurance.co.uk

Summary of Cover


Section & Cover Limit Per Person Excess
Medical and Repatriation £10,000,000 £100
Search & Rescue Cover £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


Section & Cover Limit Per Person Excess
Personal Possessions £2,000 £75
Delayed Possessions £200 -
Loss of Personal Money £300 £75
Loss of Travel Documents £1,000 £75
Cancellation £5,000 £100
Travel Disruption £1,000 -
Travel Delay £120 -
Abandonment £5,000 £100
End Supplier Failiure £2,500 -

Adventures Travel Insurance is arranged for JS Travel Insurance through P J Hayman & Company Limited who are 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’s. Antares is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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 you can go on a recreational dive anywhere in the world, while 40 metres is the limited in a number of 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 or 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.

Personal Accident and Personal Liability

JS Travel Insurance can provide cover for Scuba Diving and will include Personal Accident and Personal Liability.

Common Injuries

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, it is vital that you pay attention to your body, your techniques and to take breaks to let your body accommodate to 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 an 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 an underwater light.

Pre Existing Medical Conditions

If you have pre existing medical conditions and you plan to do Scuba Diving to 40 metres  whilst travelling abroad, we are able to provide you with a policy.


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

European and Worldwide Residents

World Nomads offers Travel Insurance if you are a Resident of a European or Worldwide country and you are planning to take part in Scuba Diving (up to 40 metres) whilst on your trip.

This policy will also cover you if you have already left your home and your planning to Scuba Dive up to 40 metres.

You can also add High Value Items, such as Sports Gear, Technical Equipment and Cameras, and Personal Items.


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