## Does Amex Travel Insurance Cover Scuba Diving?
American Express (Amex) offers a range of travel insurance plans that provide coverage for various activities and destinations. When it comes to scuba diving, the coverage varies depending on the specific plan and the type of diving involved.
### Plans and Coverage
Gold Card
Basic scuba diving: Covered up to 50 feet deep for non-professional divers.
Advanced and technical scuba diving: Not covered.
Platinum Card
Basic scuba diving: Covered up to 100 feet deep for non-professional divers.
Advanced and technical scuba diving: Covered up to 130 feet deep with a valid certification.
Centurion Card
Basic scuba diving: Covered up to 130 feet deep for non-professional divers.
Advanced and technical scuba diving: Covered up to 150 feet deep with a valid certification.
### Exclusions and Limitations
All Plans:
Coverage excludes commercial diving or diving for professional purposes.
Diving while under the influence of alcohol or drugs is not covered.
Diving in unsafe conditions, such as strong currents or poor visibility, is not covered.
Diving without proper certification or equipment is not covered.
Expenses related to decompression sickness, nitrogen narcosis, or other diving-related injuries are not covered.
Platinum and Centurion Card Plans:
Advanced and technical scuba diving coverage requires a valid certification from a recognized diving organization.
The maximum coverage depth applies to the deepest point of the dive, not the average depth.
### Additional Information
Claims Process:
To file a claim for scuba diving injuries or expenses, you must:
1. Notify Amex within 24 hours of the incident.
2. Provide documentation, such as diving logs, medical records, and certification cards.
3. Submit the claim form and supporting documents within 60 days of the incident.
Alternative Coverage Options:
If your Amex travel insurance plan does not cover advanced or technical scuba diving, you may consider purchasing specialized diving insurance through a dive shop or dive organization. These policies can provide more comprehensive coverage, including expenses for decompression sickness and other diving-related injuries.
### Conclusion
Amex travel insurance provides coverage for basic scuba diving for non-professional divers. However, for advanced and technical scuba diving, only the Platinum and Centurion Card plans offer coverage up to certain depths and with valid certifications. It’s important to carefully review the coverage details and limitations of your plan to determine if it meets your specific scuba diving needs. If necessary, consider purchasing additional coverage from a specialized diving insurance provider.