If you’re in the process of comparing insurance cover, see if the following points can help you make a decision.
Most insurers put a limit on how deep you can dive, so you might want to look for that figure since you can easily get carried away when you’re already underwater. Watch out for those with 18M or 20M limit, in figure that looks deep enough already but underwater not that much. You’ll be surprise that you can sink further down without meaning to especially when you’re having a difficulty which can invalidate you.
If you don’t know about this yet, you probably want to get this straight with your insurer, especially if you’re the type who likes to plan a diving holiday all the time. Why? Because there are some insurance companies like Divemaster with policies that say they’ll cover scuba diving if it’s done in “Incidental basis” only. So before you get pass that, make sure you have cleared that out and have understood that policy.
Since you’re considering diving insurance, it means you know the risks and you want to be certain you’ll be taken cared of if anything happens. However, some company explicitly excludes search and rescue costs from their policies or requires hard proof from a medical person before they agree to cover the cost. This means there’s a high chance that you will have to shoulder your own transportation expenses in case you go for such diving insurance. So before you avail and sign on anything, clarify this with the insurer exactly who will pay in case you’ll need to be transported as emergency assistance, first.
Do not forget to look for exclusions, limitations or restrictions when you’re reading an insurance policy because most of the time, that’s where they get their grounds to invalidate you.