Why is having insurance important for divers?

Having insurance is crucial for divers primarily to cover potential medical treatment and emergencies. Diving, while a safe activity when precautions are taken, does involve risks such as decompression sickness, injuries due to equipment failure, or accidents both in and out of the water. Medical treatments for diving-related incidents can be expensive, especially if hyperbaric chamber therapy is required. Insurance helps alleviate the financial burden associated with these emergencies, ensuring that divers receive necessary medical care promptly without undue stress over costs.

While other options may sound practical, they focus on less critical aspects of diving. Equipment loss, while unfortunate, does not encompass the primary reason divers typically seek insurance. Similarly, facilitating access to dive sites and gaining discounts on equipment are not fundamental reasons for having insurance, as they do not directly address the health and safety aspects that insurance primarily aims to cover.