Why consider travel insurance for water activities?
Water activities come with inherent risks, whether it’s dealing with strong currents, unexpected injuries, or lost or damaged gear. Our cover can help with the following:
-
Overseas medical emergencies - if you’re injured while doing an activity, we may cover emergency medical, hospital and ambulance expenses. We may also cover evacuations if an injury occurs.
Luggage and personal effects - if your sporting equipment is accidentally lost, stolen or damaged during your trip we may replace or repair it.
Trip cancellation or disruptions - If your pre-paid activity or tour is cancelled because of severe weather, natural disaster, strike and other events, we may cover the non-refundable portion of your pre-paid travel arrangements. Depending on the circumstances we may also cover refunds for cancelled flights.
Access to our 24/7 Emergency Assistance Team - With nib, you have access to our experienced 24/7 Emergency Assistance Team, who can help you navigate those prickly situations.
Whether you're exploring Australia's coasts or travelling overseas, nib offers travel insurance for your specific adventure needs. Get a quote today.
Water activities that we cover
- Sailing
- Scuba diving
- Snorkelling
- Surfing
Note: Find out more information about the sports and activities we cover. If the sport or activity that you want to participate in is not listed, or you have questions around cover related to a specific activity, please contact us.
Top safety tips for water activities
Before diving in, keep these tips in mind:
- Know your limits: Avoid pushing beyond your skill level.
- Check equipment: Ensure all rental gear is in top condition.
- Research conditions: Be aware of currents, tides, and weather forecasts.
- Pair up: Never dive or swim alone, especially in unfamiliar waters.
- Read the policy: Confirm your insurance covers your chosen activities, such as scuba diving below a certain depth.
Popular water activity destinations
- Great Barrier Reef: Scuba diving and snorkelling in vibrant coral reefs.
- Byron Bay: Kayaking with dolphins and paddleboarding.
- Ningaloo Reef: Swimming with whale sharks.
- Rottnest Island: Snorkelling in crystal-clear waters.
- Gold Coast: Surfing iconic waves.
- Maldives: Scuba diving and underwater photography.
- Hawaii: Snorkelling in volcanic landscapes.
- Thailand: Long-tail boat tours and sea kayaking.
- Fiji: Coral reef diving and jet-skiing.
- Bora Bora: Luxury snorkelling adventures.
What’s not covered for water activities
There are some activities and other key areas that we don’t cover, these include but are not limited to:
- There’s no cover for participation in, or training for, professional sporting activities.
- When scuba diving, you must hold an open water diving licence or be under licensed instruction.
- Travelling in international waters in a private sail vessel or privately registered sail vessel.
- Watercraft of any type (excluding theft of surfboards or damage to surfboards whilst in the custody of a carrier).
- Sporting equipment whilst in use.
For more information on what’s not covered check out our FAQ article on sports and activities that are not covered.
Frequently asked questions about water sports cover
Yes, provided you’re diving with a licensed operator and within depth limits specified in the policy. Always be sure to check the terms, conditions, limitations and exclusions of your policy. If you’re not sure about something, contact us.
Yes, nib travel insurance can help protect your gear if it’s lost, stolen, or damaged during your trip. We offer cover for luggage and personal effects on International plans, Comprehensive, Essentials and Annual Multi Trip plans. We offer cover for lost or damaged gear on our Domestic plans: Australian Travel Plan only. Please note that sporting equipment is not covered while it's being used.
The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.