If you are interested in diving activities, you must know that diving requires technique and proper procedure to avoid any accidents while enjoying the view underwater. And the most important thing is to secure a diving insurance. However, for amateurs, it is somewhat confusing when they inquire about diving insurance from Dive Master since some coverages are unique to diving alone. Since diving insurance is necessary, here are some things to consider when getting a diving insurance.
- Coverage – Not all diving insurances are the same. Some have the basic coverage of accidental and hospitalization coverages while others include equipment replacement and even travel expenses refund. If you are just starting to practice diving, usually you will only need to rent the diving equipment thus the basic coverage would suffice especially if you are planning for recreational diving. However, professional divers and diving establishments will have a profound insurance coverage or a different set of coverage.
- Scope – Diving insurance companies have a set of location or scope where they will cover the diver. You need to make sure that your diving insurance will cover the diving spots you prefer to go. If the location is not covered, you might encounter inconveniences later or need to purchase a different diving insurance.
- Local or international – Most diving insurance companies only provide coverage for local diving spots. Only large diving insurance companies would offer coverage for international diving activities and only on select locations. If you have not planned to go abroad for diving, it is better to purchase a local diving insurance first which covers the country and simply upgrade or buy a short-term diving insurance later on once you travel abroad.
- Diving level – Diving level can affect the insurance rates and coverage. Deeper diving level would often means more risks which insurance companies would increase the insurance rate or even elect not to cover the depth. You need to be aware of the depth level which your diving insurance will cover so you won’t have a problem in case you need to claim the insurance.
- Cost – Though driving is considered more risky than diving, insurance companies still charge the diving insurance on a higher cost. The rate will naturally increase depending on the perks and coverage. It is important to consider the cost of the insurance to avoid sacrificing a large part of your resources.
You need to balance the coverage as well as the cost in order to get a suitable diving insurance. It is also necessary to consider if the diving spots you would love to visit are covered by the insurance.