## Does Post Office Travel Insurance Cover Scuba Diving?
Scuba diving is a fantastic way to explore a whole new underwater world, but it’s crucial to understand whether your travel insurance policy will cover you before you take the plunge. This article will explain the ins and outs of Post Office Travel Insurance and scuba diving to help you make an informed decision.
### What Does Post Office Travel Insurance Cover?
Post Office Travel Insurance offers a range of policies with varying levels of coverage. The standard policy includes:
Emergency medical expenses up to £10 million
Cancellation and curtailment cover up to £5,000
Baggage and personal belongings cover up to £3,500
Personal liability cover up to £2 million
Legal expenses cover up to £50,000
### Does Post Office Travel Insurance Cover Scuba Diving?
Yes, Post Office Travel Insurance covers scuba diving under certain conditions. However, it’s essential to note that not all policies are the same.
Basic Policy:
The basic policy does not cover scuba diving.
Premier Plus Policy:
The Premier Plus policy includes scuba diving cover up to 30 meters.
Apex Policy:
The Apex policy includes scuba diving cover up to 50 meters.
### Important Exclusions and Conditions
While Post Office Travel Insurance does cover scuba diving, the following exclusions and conditions apply:
Depth limits: Coverage is limited to the depth specified on your policy (30 meters for Premier Plus, 50 meters for Apex).
Certification: You must be certified by a recognized organization (e.g., PADI, SSI) to be covered.
Medical fitness: You must be medically fit to scuba dive.
Drunkenness: Coverage is invalid if you are under the influence of alcohol or drugs.
Recklessness: Coverage does not extend to accidents caused by reckless behavior.
### Additional Considerations
Recreational diving: Coverage is limited to recreational scuba diving activities.
Professional diving: Coverage is not available for professional divers.
Equipment: Scuba diving equipment is not covered by Post Office Travel Insurance.
Third-party liability: Coverage is not included for accidents involving third parties while scuba diving.
### How to Make a Claim
If you need to make a claim for scuba diving-related expenses, you must:
Contact Post Office Travel Insurance as soon as possible.
Provide the necessary documentation, such as your diving certification, medical records, and travel itinerary.
Follow the claims process outlined by Post Office Travel Insurance.
### Conclusion
Post Office Travel Insurance covers scuba diving under certain conditions and limitations. By choosing the right policy and following the exclusions and conditions, you can ensure that you are adequately protected while exploring the underwater world. Remember to read your policy carefully before purchasing and contact Post Office Travel Insurance if you have any specific questions about coverage.