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If you plan to use your digital camera outside - possibly exposing it to heavy rain or snow or for use at the beach - a waterproof digital camera makes sense. Both Olympus and Pentax have models that fit the bill. And they're even okay to submerge. The Olympus can be submerged to 10 feet for up to an hour, while the Pentax is rated to withstand depths of five feet for a half-hour.
However, if you want to really take your camera in the water, you'll have to go a different route. Companies like Bonica and Sea & Sea make cameras with waterproof housings that can withstand pressures up to 180' below the surface. And companies such as Aquapac and Ikelite – as well as some camera manufacturers – offer waterproof housings that enable you to use more conventional digital cameras at similar depths.
If you want to take your camera with you on that Caribbean snorkling adventure, one of these options will serve you better.