What are the differences between scuba diving insurance and travel insurance? There are a number of differences, and not having the right insurance type can be a costly mistake. Most travel accident insurance policies do not cover scuba diving activities, unless you have paid an additional amount to have this activity included. This sport involves expensive equipment which can be damaged or lost, and in some cases medical complications can be the result of a dive. Scuba diving insurance will normally cover your dive equipment and any medical costs for any injuries or complications caused by scuba diving, while most travel insurance will not.
Travel insurance does cover medical emergencies while you are traveling, as well as any costs because of delays or cancellations and a delayed baggage benefit amount. The scuba diving safety risks are considered high for most insurance companies and that is why most travel policies do not cover this activity. Scuba diving insurance does offer coverage, and your policy will depend on your specific training and certification. You are limited to the depth that your scuba diving training allows according to the insurance policy. Your premium will also be based on these factors.
Scuba diving insurance will also usually cover the cost of your equipment, something that travel insurance does not. You may have a significant amount of money tied up in your scuba diving tanks and other needed equipment, and if these are damaged or lost because of an incident or accident the insurance will cover the costs. You can have both types of insurance policy, and if you plan on scuba diving while on vacation then having insurance which covers you during this activity is the smart thing to do. If you suffer from the bends and need decompression treatment the costs can be high, and travel insurance may not cover these medical costs.