Scuba diving accidents are very rare. The most common is ‘decompression sickness’ (The Bends), which is caused by irresponsible diving. Treatment for The Bends is expensive, as the patient needs to spend time in a decompression chamber. Although diving accidents are very rare, diving insurance is very cheap. DAN is one of the most well-known insurance companies specializing in diving, and their rates are not much more than a meal or a couple of beers in a restaurant while on vacation. It’s a very good idea to take out dive insurance.