Scuba Diving Insurance
Scuba diving and other similar activities are often excluded from standard insurance policies, and getting special scuba diving insurance can therefore be necessary. You can sometimes pay an extra fee to have scuba diving included in your standard insurance policy, and there are also many companies that offer separate scuba diving insurance policies. Before you go on a scuba diving holiday, it is very important to check if your standard insurance policy includes travel insurance and if this travel insurance covers scuba diving incidents.
When dealing with insurance companies, you should always make sure that you get everything specified in writing. A general promise over the phone that you will be covered during your scuba diving holiday can prove pretty worthless once an accident has occurred. You should also set some time aside and actually read the fine print before you sign any scuba diving insurance papers. To make it a little easier for you to select suitable scuba diving insurance, we have gathered five scuba diving insurance tips in this articles that highlight a few of the most important factors to consider.
Scuba diving insurance tip # 1 – Check the coverage and benefit limits
A scuba diving accident that takes place far from shore can require a chopper ride or similar form of expensive evacuation and it is therefore important that your scuba diving insurance covers not only hospital treatment but costly emergency evacuations as well. Hyperbaric chamber treatment will also be considerably more expensive than you standard visit to the doctor, and choosing a generous scuba diving insurance is therefore recommended even if you can find cheaper ones with lower coverage. Some scuba diving insurance policies will pay up to $500,000 per incident, while others are limited to $15,000 or even less.
Scuba diving insurance tip # 2 – Check the coverage for additional expenses
Some scuba diving insurance policies will reimburse you not only for evacuation and hospital treatment, but for a wide range of other costs related to the incident. You might for instance need to transport your family to the hospital, cancel the rest of your vacation etcetera.
Scuba diving insurance tip # 3 – Check the coverage for non-scuba incidents
When will your scuba diving insurance kick in? If you are involved in a car accident on your way to the beach, will you be covered?
Scuba diving insurance tip # 4 – Is this a travel insurance or a scuba diving insurance?
If you plan to go on a scuba diving holiday, you can usually purchase travel insurance and pay an extra fee to include scuba diving incidents in the coverage. This type of insurance will however usually come with exclusions that it is important to be aware of. It is for instance common for this type of policy to be valid only when you are at least 50-100 miles from home or be linked to a particular part of the world. If you scuba dive a lot in your home area too, it might be a better idea to purchase a special scuba diving insurance that keeps you covered during all scuba diving regardless of locality.
Scuba diving insurance tip # 5 – Special safety requirements
Many scuba diving insurances are only valid as long as you stick to certain safety rules. You might for instance be required to follow the PADI recommendations and be certified for the type of dive that you participate in. It is common for scuba diving insurance policies to have depth and gas limits. Before you exceed a dept limit or use special gas mixes, you should make sure that your scuba diving insurance really covers this type of dives.