Charlotte is considering a European holiday and is looking at various options for travel insurance cover. Which option is usually considered the highest risk?

The option involving the scuba diving course is typically regarded as the highest risk due to the inherent dangers associated with the activity itself. Scuba diving presents unique challenges, including the risk of drowning, decompression sickness, and injuries related to the underwater environment, such as encounters with marine life or equipment failure.

Travel insurance providers often assess risk based on the activities included in the trip. Ordinary holiday activities like spending time at the beach, exploring a city, or taking a cruise generally carry lower risk profiles in comparison to scuba diving, which requires specialized knowledge, training, and safety precautions. As such, individuals opting for scuba diving courses may face more significant concerns that insurance companies account for when underwriting these policies and determining premiums.

Thus, the nature of scuba diving as an extreme sport places it in a higher risk category, making it essential for travelers to seek comprehensive coverage tailored to those specific dangers.