Scuba diving is a fun sport and allows you to experience the joy of discovering wonderful underwater mysteries. However, just like most other travel adventure activities, it comes with risks. Accidents can happen anytime, anywhere – even if you exercise due care. This is where specialist scuba diving travel insurance comes in.
Diving insurance helps you cover accidental and medical emergencies, and works just like other types of scuba diving travel insurance. It also provides life insurance coverage and allows you to cancel your trip, if necessary. Thus, you should not embark on a trip in any diving destination around the world without it.
Specialist Diving Insurance Coverage
Places – Most policies cover popular diving destinations including New Zealand, Australia, Africa, Asia, Europe, the Caribbean, Pacific Ocean, Indian Ocean, Mediterranean, Central and South America, and the USA.
Equipment – Although most professional guides will provide you with all the equipment you need for the sport, it is still a wise move to include them in your coverage. After all, diving equipment are not cheap; these include snorkel, mask, buoyancy compensator vest, fins, diving knife, wetsuit, regulator and octopus, underwater light and backup light, tank pressure gauge, dive logbook, underwater compass and timer, octopus keeper, first aid kit, boots, and gloves.
Injuries – Common injuries sustained in diving trips and covered by specialist diving insurance include injuries due to air pressure changes (damaged sinuses or ruptured ear drums), nitrogen narcosis, decompression sickness, hypothermia, and oxygen toxicity.
Specialist Diving Insurance Tips
Read the fine prints. – Make sure that you understand all provisions of your policy; what are covered and what are not.
Know all details of your dive activities. – Knowing which particular activities are not covered will keep you on guard if and when you opt for activities that your policy does not cover.
Insure your trip as well as your gear. – If anything goes wrong in your trip that will prompt you to file a claim, it would be exasperating to learn that your policy only has partial coverage. So, to be on the safe side always, make sure that you have everything covered.
Know the benefit limits. – An accident can happen away from shore where evacuation can be expensive (such as using a chopper), so make sure that your coverage does not only include hospitalization cost but expensive modes of evacuation and treatment as well. Likewise, hyperbaric treatments are definitely more expensive than standard hospital treatments. Sure, your policy may cost more with these additional benefits but it will all be worth it.
Check the policy for non-diving incidents. – Make sure that your policy is a specialist diving insurance that covers losses incurred from major diving activities, and not just a regular travel insurance.
Check the policy for other expenses covered. – Some insurance providers will reimburse not just your evacuation and hospital expenses, but many other diving accident-related expenses including transportation and trip cancellation.
Check for special safety requirements. – Most policies are valid only for as long as you comply with specific safety guidelines. For example, you may be required to be certified for particular dives that you intend to join, and follow PADI insurance recommendations. Likewise, your policy may have gas and depth limits. So before going on your diving trip, make sure that you are covered for all your planned activities. Remember, it is always better to be safe than sorry.