I believe Polar HR monitors are all waterproof. They just say not to press any of the buttons after it is already submerged. I have used mine successfully in the water many times. Two things affect HR while swimming: the cold water will result in a HR lower than expected, as will the fact that you are prone.
Fitness Minutes: (53,988) Posts: 3,151 4/15/12 7:10 A
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