If you’re in the process of comparing diving 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 figures that looks deep enough, but underwater it’s really not that much at all. You’ll be surprised that you can sink further down quickly without meaning to, especially when you’re having difficulty which will then invalidate your insurance.
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 on an “Incidental basis” only. So before you get that, make sure you’ve cleared that up 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 companies explicitly exclude search and rescue costs from their policies or require 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.