Do You Need Scuba Diving Travel Insurance? How to Choose One

Diving in Costa Rica is a dream come true, and chances are you want to explore Costa Rican waters and encounter marine life without worrying. However, before you do that, you need to be prepared for the unexpected—you need scuba diving travel insurance.

The reality is that scuba diving comes with risks, and standard travel insurance often doesn’t cover diving accidents, injuries, or lost equipment, leaving you exposed to financial burden or health effects.

At Bill Beard’s Costa Rica, we’re travel experts and divers with years of experience who’ve been in your shoes. That’s why we bring our in-depth knowledge and expert advice to empower you to make informed decisions when it comes to choosing the right scuba diving insurance.

Keep reading on to learn more about how to guarantee you’re well-covered for your underwater adventures.

What is Scuba Diving Travel Insurance?

Scuba diving travel insurance protects divers in case things don’t go according to plan and provides reimbursement if you can no longer go on your dive trip.

Some policies also protect diving equipment and reimburse you for canceled or delayed trips, lost baggage, and other common travel problems. Some may also cover medical expenses resulting from diving accidents.

Is travel insurance the same as diving insurance?

No, travel insurance and diving insurance are not the same. While standard travel insurance policies typically include medical coverage for injuries sustained during travel, they don’t cover scuba diving.

Diving insurance, on the other hand, specifically covers medical expenses resulting from a diving accident and other diving-related costs such as equipment damage or loss.

What Does Diving Insurance Cover?

Here are some of the elements that diving insurance covers:

Scuba diving gear

These plans often cover your diving equipment, ensuring you’re protected during your underwater adventures. This coverage typically reimburses you for lost, stolen, or damaged gear such as masks, tanks, and dive computers.

Additionally, if your baggage or diving gear is delayed, lost, or damaged by a common carrier, you may be eligible for reimbursement, subject to per-item and total maximum limits.

Many scuba diving insurers offer coverage for your equipment.

Medical emergencies

Scuba diving insurance typically provides coverage for various medical emergencies that can happen during dives. This coverage encompasses expenses related to diving accidents, such as hospitalization and surgeries, or expensive medical treatment in a hyperbaric chamber for conditions like decompression sickness.

Moreover, insurance plans often provide financial compensation for permanent and total disabilities resulting from diving accidents, including loss of limbs or eyesight and may cover accidental death or dismemberment.

Protect yourself in the event of unforeseen circumstances.

Medical evacuation

They can also include coverage for medical evacuation, ensuring swift and safe transportation in the event of a diving emergency.

This coverage includes the cost of transportation from the dive site to the nearest hospital or medical facility and emergency medical evacuation to more specialized facilities if necessary.

Receive timely and appropriate medical care on your dive trip!

How to Evaluate Scuba Diving Travel Insurance Plans

Evaluating scuba dive insurance plans is crucial for confirming you have adequate coverage during your underwater adventures. Here are some aspects to help you evaluate these plans effectively:

Check the details of the coverage

Confirm that the insurance covers protection for both medical needs and diving gear, including coverage for medical expenses, emergency medical evacuation, and reimbursement for lost, stolen, or damaged equipment.

Make sure that your chosen policy aligns with your diving needs.

Understand limitations

Some policies may exclude coverage for diving activities beyond a certain depth, such as dives exceeding 30 meters or 100 feet, aligning with recreational diving certifications. Diving beyond this depth without proper certification may invalidate coverage.

Ensure that you have adequate protection in place.

Acknowledge exclusions

When considering specialized diving travel insurance, you must recognize any exclusions that may apply to your diving plans. Exclusions related to dive depth, location, and equipment type can impact the suitability of the policy for your needs.

If you plan to go deep diving, wreck diving, or diving in remote or uncharted territories, you must ensure that your insurance policy covers such activities. If not, consider purchasing additional coverage to mitigate any potential risks.

Get a comprehensive insurance plan that covers your diving needs!

The Top Three Trustworthy Scuba Diving Insurance Providers

Several providers stand out for their reliability and comprehensive coverage. Here are some of the most popular scuba diving insurance providers:


DAN offers scuba diving insurance tailored to divers’ needs, with policies free of gas or depth limitations. They provide three tiers of coverage: Master, Preferred, and Guardian, each offering increased benefits. Membership and an annual fee of $35 are required, with policy rates varying by state, averaging around $44 to $119 per year.

DAN’s Dive Accident Insurance covers diving accidents and injuries, with up to US$500,000 in medical expense coverage. Their equipment insurance protects against water damage, with immediate binding coverage upon enrollment. The policy provides funds for replacement but not direct equipment replacement.

Dive Assure

Dive Assure offers two comprehensive policies: Gold and Platinum. Both provide annual coverage, and the Gold policy offers short-term and multi-trip options, starting at $99 per year.

The Platinum policy starts at $129 annually and offers higher protection levels. Dive Assure’s policies have no gas usage or depth limits, making them suitable for both technical and recreational divers.

Deductibles vary, starting at $75 for accident and acute illness coverage and up to 20% of the cost for live-aboard trips, ensuring reliable protection for diverse diving needs.

World Nomads

World Nomads is an excellent option if you’re looking for comprehensive travel insurance with built-in dive coverage.

World Nomads offers two policies: Standard and Explorer. The Standard policy starts at around $103 per month and is suitable for most recreational divers. The Explorer policy, which starts at $183 per month, is designed for commercial divers, cavern and cave divers, and dive guides and instructors. This policy also provides higher coverage limits across all categories.

Coverage lasts up to 180 days, and prices vary based on age, home country, medical conditions, and travel destinations.

We Always Put Your Safety First During Our Dive Trips!

Scuba diving travel insurance is essential for guaranteeing your safety and peace of mind during your underwater adventures.

At Bill Beard’s Costa Rica, we genuinely care about your well-being, which is why we strongly recommend purchasing comprehensive dive insurance. In fact, all divers should have dive insurance, which we can offer for daily dives or multiple dive-day vacations.
Contact our team at Bill Beard’s Costa Rica now to learn more about how we can help you prepare for your adventure. Experience safe diving with us!

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