In our continuing quest to root out exotic forms of insurance today we bring you our latest truffle: diving insurance. Scuba diving is officially designated as a ‘dangerous sport’ (we have not identified the official source as of yet) and accordingly, it is not always easy to find insurance for participating in it.

Many general travel insurance policies exclude coverage for injuries incurred during certain activities and scuba diving is often one of those activities. However there are specialized policies for the sport out there and as with any other form of insurance, it’s important to make sure your coverage is adequate.

Divester Magazine addresses some of the principal points that should be pursued for adequate coverage. One point that isn’t mentioned but is worth observing is that scuba diving requires a training program and certification for anyone who wants to get involved in the sport. That alone should reduce the chance of accidents for diving as opposed to, for instance, off-road vehicles or snowmobiles..

Here are some of the issues that divers face when seeking insurance coverage for their diving vacations:

* Are trip cancellations covered including all fees for dive trips?
* What is the maximum depth you’re covered to?
* Will they pay for a decompression chamber?
* Will they pay for emergency evacuation by helicopter or other means?
* Is your equipment covered for theft, damage, or flood?

An interesting list, especially for those of us who think that a decompression chamber is the local pub.