Terms and Conditions


Must be a resident of the U.S. or Canada to qualify.

Minimum Coverage

You may choose any combination of coverage as long as it meets the minimum requirement of $25.

Service Fee

A $3 service fee is charged for all online and phone purchases. The advantage is that you may obtain immediate coverage.


All benefits are subject to the deductible. The deductible is 5% of covered charges plus the amount payable by any other coverage. DSI is secondary coverage only. We will pay benefits only after other coverage. If other coverage is also secondary, we will pay our pro rata portion of benefits.

Covered Diving Accident

(Classes A and B) Accidental bodily injury sustained while SCUBA diving or snorkeling. Coverage begins when you enter the surface of the body of water and ends when you exit said body of water.

Air Ambulance and Emergency

(Class C) Divers and non-divers are eligible for this coverage.

Covered Non-Diving Accident

(Class D) Accidental bodily injury sustained while engaged in a covered recreational water sport or boating activity other than SCUBA diving or snorkeling.

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