## Does Nationwide Travel Insurance Cover Scuba Diving?
Yes, Nationwide travel insurance offers coverage for scuba diving activities. However, certain conditions and exclusions apply, so it’s crucial to understand the details before embarking on your underwater adventures.
### Covered Activities
Nationwide travel insurance covers scuba diving under the following conditions:
– **Recreational diving:** Up to 100 feet in depth without decompression stops.
– **Introductory diving:** Discover scuba diving or resort course with a certified instructor.
### Exclusions
Scuba diving coverage is excluded in the following scenarios:
– **Professional diving:** Activities involving diving for commercial purposes or competitive events.
– **Solo diving:** Diving without a certified dive buddy present.
– **Diving with medical conditions:** Any pre-existing medical conditions that contraindicate scuba diving.
– **Technical diving:** Dives requiring specialized equipment, such as rebreathers or deep-air diving.
– **Diving under the influence:** Scuba diving while intoxicated by alcohol or drugs.
– **Diving in prohibited areas:** Areas with posted warnings or restrictions against diving.
### Limits and Deductibles
The maximum coverage for scuba diving expenses is $2,000 per person, per trip. This amount covers expenses related to medical treatment, evacuation, decompression, or other unforeseen events.
A deductible of $250 applies to all covered scuba diving expenses. This means that you will be responsible for the first $250 of expenses before Nationwide travel insurance coverage kicks in.
### How to File a Claim
To file a claim for scuba diving coverage, you should:
1. Call Nationwide’s 24/7 claims hotline at 1-800-421-3535.
2. Provide details about the scuba diving incident, including the date, location, and nature of the injury or loss.
3. Submit documentation to support your claim, such as medical records, receipts, and any other relevant evidence.
### Tips for Safe Scuba Diving
To ensure a safe and enjoyable scuba diving experience, consider the following tips:
– **Get certified:** Complete a recognized scuba diving certification course from PADI, SSI, NAUI, or other reputable organizations.
– **Dive with a buddy:** Always dive with a certified dive buddy to provide mutual support and safety.
– **Be aware of your limits:** Respect your experience level and dive within your capabilities.
– **Plan ahead:** Check weather conditions, dive sites, and equipment before heading out.
– **Follow safety protocols:** Adhere to diving regulations, stay within specified depths, and avoid diving past your air supply limit.
– **Purchase travel insurance:** Protect yourself against unforeseen events and ensure you have adequate coverage for scuba diving activities.
### Additional Considerations
– **Duration of coverage:** Nationwide travel insurance provides scuba diving coverage for the duration of your trip and up to 30 days before your departure date.
– **Group coverage:** Nationwide offers group travel insurance plans for groups of 10 or more travelers.
– **Upgrades available:** You can upgrade your Nationwide travel insurance policy to include additional coverage for high-risk activities such as skydiving or hang gliding.
By understanding the coverage provided by Nationwide travel insurance and taking necessary safety precautions, you can dive with confidence and enjoy all that the underwater world has to offer.
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