We buy snorkeling travel insurance for many of our trips, but not all. Our #1 tip when shopping is to make sure the policy specifically states that snorkeling accidents are covered. Because many exclude snorkeling, or lump snorkeling in with diving, which is excluded, or consider it an extreme sport, which is not covered. And if you would like a lesson in patience, try calling the company to see if snorkeling is covered, only to be told "read the policy". We have even had insurance be required by a snorkel tour company, which is not unusual, but the insurance they recommended did not cover snorkeling!
Fortunately, we have a good recommendation for you below, which will save you a lot of research.
Note: Our suggestions come from hands-on experience. We hope you find them helpful. You can help us if you purchase from the links below. We may make a small commission, from Amazon or other companies, at no extra cost to you. Thank you.
World Nomads Travel Insurance explicitly lists snorkeling as a water activity that is covered in their Standard and Explorer plans. They specialize in adventure travel coverage, and have great customer service, which is what makes them our favorite snorkeling travel insurance. World Nomads is highly recommended by many adventure travel companies like Lonely Planet.
We also like how easy and quick it is to get a quote using the form below, without giving any personal information, and they don't ask for all of your trip costs like other companies. You can also get a quote on their website here.
World Nomads Perks:
Downsides to World Nomads:
We don't always buy snorkeling travel insurance for our trips, but we often do. For the low cost of the insurance it is a no-brainer in these circumstances:
Sometimes our flight costs are already covered by cancellation insurance provided by our travel credit card, so we may not need as high of coverage from a purchased plan.
The times when we don't buy snorkeling travel insurance is when we are traveling to a place like Hawaii where our health insurance will cover an accident, and our trip costs are low because we got free flights from miles.
We have been fortunate enough not to need to file a claim yet. But we have heard from many folks who had to cancel their trip and ended up using their trip insurance to get their money back.
We have also seen accidents and health issues occur with other snorkelers who were on group trips, where snorkeling trip insurance was a life saver. Some had wounds, that required medical assistance. Some got infections. Maybe the most common issues we have witnessed and experienced ourselves is a bad bout of travel sickness. That can easily leave you very dehydrated which can lead to hospitalization.
We can't stress enough that if you are in a remote location and have a medical issue, and you need to be evacuated quickly, you could come home with some massive bills. That is the primary reason we buy good snorkel travel insurance that we know for sure covers snorkeling!