Diver's insurance for travel within Thailand
- Published: 11 August 2026
Diver's insurance for travel within Thailand
Diver's insurance in Thailand, premiums from THB 150
The underwater world can be so beautiful that we forget everything on shore, but diving takes more preparation than packing a bag and checking your gear. Accidents, pressure changes, emergency medical evacuation and damage to equipment can all cost more than you expect.
Diver's insurance for travel within Thailand is designed to cover the risks specific to diving trips, from accidents, medical expenses for diving-related illnesses, emergency evacuation and diving equipment through to events that force you to cancel or shorten your programme, within the scope of the plan you choose.
Choose from 3 plans to suit your experience, travel style and the level of cover you need, with premiums from just THB 150 for a 1–3-day trip.
Cover, sums insured and claim payments are subject to the terms, conditions and exclusions of each plan's policy.
Highlights of diver's insurance
Covers death, loss of limbs or sight, or total permanent disability from an accident
Covers medical expenses for injuries
Covers medical expenses for diving-related illnesses, up to THB 2,000,000
Covers emergency medical evacuation and repatriation to your home town within Thailand
Choose cover for your own and rented diving equipment, depending on the plan
Plan 3 adds cover for cancelling or shortening your dive trip programme, plus luggage and personal belongings
Every plan includes a limit for legal liability to third parties
Buy online and get your E-Policy with ease
Coverage table
Unit: THB
| Coverage | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Death, loss of limbs or sight, or total permanent disability from an accident | 500,000 | 1,000,000 | 1,000,000 |
| Medical expenses for injuries | 50,000 | 100,000 | 200,000 |
| Medical expenses for diving-related illnesses | 500,000 | 1,000,000 | 2,000,000 |
| Medical expenses for travel-related illnesses | – | – | 2,000 |
| Daily hospital cash as an inpatient, up to 30 days per trip | – | 500 per day | 1,000 per day |
| Emergency medical evacuation and repatriation to your home town within Thailand | 100,000 | 150,000 | 200,000 |
| Damage to your own diving equipment | – | 20,000 | 50,000 |
| Loss of or damage to rented diving equipment | 2,000 | 2,000 | 2,000 |
| Cancellation of the dive trip programme | – | – | 10,000 |
| Shortening of the dive trip programme | – | – | 10,000 |
| Compensation for dive days lost through cancellation by the tour operator, up to 3 days per trip | – | – | 1,000 per day |
| Cost of returning the body or ashes to the home town within Thailand | 100,000 | 150,000 | 200,000 |
| Luggage and personal belongings, up to THB 5,000 per item | – | – | 10,000 |
| Legal liability to third parties | 500,000 | 500,000 | 500,000 |
Good to know: cover for a Dive Computer under damage to your own diving equipment carries an excess (deductible) of THB 5,000 per claim
Premium table
Unit: THB
| Trip duration | Plan 1 | Plan 2 | Plan 3 |
| 1–3 days | 150 | 300 | 500 |
| 4–7 days | 310 | 610 | 1,000 |
| 8–14 days | 390 | 770 | 1,270 |
| 15–30 days | 620 | 1,230 | 2,040 |
| Annual* | 1,020 | 2,020 | 3,340 |
*The annual plan covers up to 30 days per trip; details are subject to the policy conditions
The premiums above include stamp duty
Which plan suits your trip?
Plan 1 — basic cover for short trips
For those who want cover for accidents, medical expenses for injuries, diving-related illnesses, emergency evacuation and rented diving equipment, with an affordable premium
Premiums from THB 150
Buy Plan 1 online
Plan 2 — higher medical limits and cover for your own equipment
For certified divers who use their own equipment and want a higher limit for medical expenses for diving-related illnesses, plus daily hospital cash when admitted as an inpatient
Premiums from THB 300
Buy Plan 2 online
Plan 3 — all-round cover for carefully planned trips
For those who want medical cover for diving-related illnesses of up to THB 2,000,000, plus cover for their own equipment, cancelling or shortening the programme, and luggage, subject to the policy conditions
Premiums from THB 500
Buy Plan 3 online
Who can take out this insurance?
The insured must be aged 10–70; when calculating age, part days or months are rounded up
1 policy per trip
You must join a dive trip programme run by a tour operator licensed by law to operate diving activities
Additional conditions for Plan 2 and Plan 3
You must hold a diving certification card recognised under World Recreational Scuba Training Council (WRSTC) standards, such as PADI, SSI, NAUI, BSAC, CMAS, SDI or PSS
You must dive within the level, depth and time underwater set by your certification card
You must wear and use a Dive Computer on every dive
If you have no certification card or are unsure whether your programme meets the conditions, ask and check your eligibility before paying
What do the diving-related illnesses in the plan mean?
The policy names these illnesses caused by changes in air pressure
Decompression Sickness (DCS)
Arterial Gas Embolism (AGE)
Pulmonary Over-Inflation Syndrome (POIS)
Cover is assessed on the medical diagnosis, the facts of the incident and the policy conditions, so do not judge it from the name of the illness alone.
Diving equipment within the scope of the plans
Diving equipment as defined by the product: dive mask, air tank, underwater breathing apparatus, fins, dive suit, Dive Computer, diver's buoyancy vest or BCD, weight belt, compass and dive torch. Any payment depends on the cause, limits, conditions and exclusions of the policy.
How to buy diver's insurance online
Choose your trip duration and the plan you want
Check the insured's eligibility, the certification card requirements and the trip programme details
Fill in your details to match your ID documents and travel information
Check the start and end dates of cover and the details before paying
Complete the purchase online and receive your E-Policy through the channel the system specifies
Frequently asked questions
Does diver's insurance only cover Thailand?
The product on this page is designed for dive trip programmes within Thailand. If you are travelling abroad to dive, choose a product that clearly states overseas cover.
From what age can you buy this insurance?
The insured must be aged 10–70, using the age calculation set out in the underwriting conditions.
Do Plan 2 and Plan 3 require a diving certification card?
You need a diving certification card recognised under WRSTC standards, you must dive within the level, depth and time the card allows, and you must use a Dive Computer on every dive.
Is your own diving equipment covered under every plan?
Not every plan. Plan 2 and Plan 3 cover your own diving equipment up to the set limit, while rented diving equipment has a limit in all 3 plans. You should also check the cause of damage and the exclusions in the policy.
If you need treatment for a diving illness, what is the maximum cover?
The maximum depends on the plan you choose: Plan 1 covers THB 500,000, Plan 2 THB 1,000,000 and Plan 3 THB 2,000,000, subject to the policy conditions.
How many days per trip does the annual plan cover?
The annual plan covers up to 30 days per trip; the number of trips and the periods covered are as stated in the policy issued.
Get ready before you head out to the underwater world
A good dive starts with planning, a health check, checking your equipment, choosing a trip organiser that meets standards and diving within the limits of your certification. Insurance is there to help carry the financial burden when a covered event happens.
Don't wait until the day you leave to check the conditions. Choose a plan that suits your certification level, the equipment you use and the length of your trip, starting today.
Buy diver's insurance online
Ask before you buy: Prakanthai.com, tel. +66 2 459 2223
Warning: buyers should always read the coverage details, conditions and exclusions carefully before deciding to buy insurance
Price: THB 150 | Start date: 10 August 2026 |
End date: - |