Whether you dream of a liveaboard diving trip or you’re a scuba enthusiast, exploring the world’s oceans can give you a brand-new perspective on your destination.
However, adding any adventurous travel activities or extreme sports to your itinerary, including scuba, ups the risk of experiencing a medical emergency, so you’ll want to be prepared. Before you dive into your next underwater adventure, whether in Canada or abroad; it’s important to understand what your travel insurance covers and make sure you’re protected if the unexpected happens.
To help simplify things, we’ve answered four commonly asked questions about scuba diving travel insurance below.
1. Why do I need scuba diving travel insurance?
Although scuba diving is very popular, it’s still an extreme sport and comes with health and safety risks. If you experience a medical emergency while diving, you’ll want to be covered.
Medical treatment, such as hyperbaric chamber treatment or air evacuation (in more extreme cases) is expensive when you’re away from your home province and abroad; and your provincial health care will only cover around 10%. Travel insurance makes sure you get the appropriate care where and when you need it, while protecting your financial investment.
2. What kind of coverage do I need?
If you want to try scuba diving over a depth of 40 metres on your next trip, it’s important to add TuGo’s Sports & Activites Optional Coverage onto your Emergency Medical Insurance plan for comprehensive coverage. If you’re scuba diving under 40 metres, coverage will be provided under TuGo’s Emergency Medical Insurance base plan without adding the optional coverage.
3. What if I’m certified and travelling for a scuba instructor training course?
If you’re PADI/NAUI certified and travelling to take a training course to become a scuba instructor, our Emergency Medical Insurance plan will cover you as a professional diver up to a depth of 40 metres.
However, if youwill be scuba diving at a depth of over 40 metres, you’ll need to add our Sports & Activities Optional Coverage to your Emergency Medical Insurance plan.
4. I’m a visitor to Canada, can I still be covered for scuba diving?
Yes, TuGo’s Visitors to CanadaEmergency Medical Insurance plan will do the trick! However, as with our Traveller product, if you’re diving over 40 metres, you’ll need to add our Sports & Activities Optional Coverage to your plan. This will provide you with coverage up to the sum insured amount you chose for the Visitors to Canada Emergency Medical Insurance plan.
Whether you’re trying scuba diving for the first time or planning advanced dives abroad, understanding your travel insurance coverage before your trip can help you travel with more confidence. We hope we’ve answered a few of your pressing scuba diving travel insurance questions. But if you have more, feel free to ask below!
Happy diving,
Monique
