24/7 Emergency medical assistance
Cover for specialist sports equipment
Up to £2500 for lost or stolen luggage
1 million+ Travellers protected
28 years Industry experience
Swimming covers recreational and fitness-based activity in pools, lakes and the sea, and is one of the most common activities travellers take part in while abroad. It can range from casual dips in hotel pools to open-water swimming in coastal or inland locations, depending on where and how you swim.
ActivitySure can cover swimming on an amateur, non-professional basis when you are taking part abroad, provided it meets the policy conditions. This can include swimming in- or outside marked areas, depending whether or not a lifeguard is present. Swimming from a boat can also be covered, even where no lifeguard is present, subject to the terms and conditions of the policy. Because risk levels vary depending on location, supervision and water conditions, it is important to understand how cover applies before entering the water.
Choose the protection that fits your adventure
Excess £100
-
£1,000
-
£5,000,000
-
£750
-
£250
-
£200
-
£300
-
£20 per 12hrs, max. £100
-
£5,000
-
£2,000,000
-
£250
-
£750
-
£60,000
Excess £75
-
£3,000
-
£10,000,000
-
£1,500
-
£250
-
£200
-
£500
-
£20 per 12hrs, max. £200
-
£7,500
-
£2,000,000
-
£250
-
£750
-
£60,000
Excess £0
-
£5,000
-
£10,000,000
-
£2,500
-
£250
-
£400
-
£1000
-
£20 per 12hrs, max. £400
-
£15,000
-
£2,000,000
-
£250
-
£750
-
£100,000
* Protection levels are based on overall cover limits, benefits and excess across each plan.
Choose the cover that fits your adventure
Single trip Swimming Travel Insurance
Perfect for one-off adventures, holidays and activity breaks abroad.
Learn more
Annual multi-trip Swimming Travel Insurance
Travel more for less with year-round protection across multiple trips.
Learn more
Whether you’re planning a one-off escape, an activity-packed holiday or travelling regularly throughout the year, our protection levels are designed to give you confidence at every stage of your journey. From emergency medical cover and cancellation protection to support while you’re away, you can choose the level of cover that best fits the way you travel and the adventures you take on.
Destination Insight
Where is popular to go swimming?
Swimming is popular worldwide, but destinations with warm climates and clear water attract travellers specifically for sea swimming. The Maldives is well known for calm lagoons and reef-protected waters, making swimming a central part of many trips. The Seychelles also offers sheltered bays and clear coastal waters suitable for relaxed swimming. In Australia, swimming takes place across beaches, pools and coastal areas, with conditions varying significantly depending on location, tides and weather.
Travellers may swim in pools, designated beach areas or open water depending on local conditions and personal experience.
Here's why swimming travel insurance matters:
Swimming may seem low risk, but accidents can happen due to fatigue, sudden changes in water conditions or unexpected currents. In open water, distance from shore or lack of supervision can increase the seriousness of an incident. Medical treatment, rescue assistance or repatriation may be required if something goes wrong. Having appropriate travel insurance in place helps protect you financially if you are injured or taken ill while swimming abroad.
Helpful travel tips
- Follow any guidance or warnings provided by lifeguards, local authorities or signage
- Swim within your ability level and avoid overestimating your endurance.
- Wear appropriate safety equipment where recommended, such as visibility aids in open waterStay alert to tides, currents and changing weather conditions
- Avoid swimming alone, particularly in open water or unfamiliar locations
Frequently asked questions
Swimming is usually included as a standard activity when it takes place in marked areas or with a lifeguard present.
If you’re planning to swim outside these conditions, you’ll need to select the appropriate activity when arranging your ActivitySure policy.
If you’re swimming in normal, controlled environments (like hotel pools or marked beach areas) this is usually covered as standard.
Once you move outside those conditions, such as open water or unsupervised swimming, you may need to upgrade your activity selection.
Yes. Swimming in designated areas, like hotel pools or marked beaches, is treated differently to swimming in open water, remote locations, or unsupervised environments.
If you select the activity during the quote process, yes. Swimming outside marked areas or without a lifeguard present is treated as higher risk, so it needs to be specifically declared on your policy.
Swimming from a boat is treated as a higher-risk activity. You will need to specify ‘Swimming off of a boat’ when going through the quote process and selecting your activity.