According to NBC News, Zarutskie was floating in the waters of Staniel Cay in the Bahamas as her boyfriend's dad took some snaps of her and a big ol' group of nurse sharks.
An Instagram model has been bitten by a shark during an impromptu photo shoot.
Zarutskie, who attends the University of Miami, had been on vacation with her boyfriend and his family and had heard from locals that swimming with nurse sharks was a fun and safe activity. She said the shark clamped down on her wrist and pulled her under.
Zarutskie told NBC that she was pulled under briefly when the reportedly five-foot shark chose to take a chomp on her arm then she "ripped [her] wrist out of the shark's mouth as fast as I could".
Ms Zarutskie then swam to shore as her arm bled. She jumped into the water on her own, without any sort of tour guide. "I was leaning back for probably no more than 10 seconds, and this shark just grabbed my wrist".
The University of Miami student visited a local clinic following the incident, but chose to fly back to Florida the next day after learning shark bites carry a high risk of infection.
"[The doctors] now believe that I still have pieces of the shark teeth in my arm and I will forever have a scar", said Zarutskie, who noted she was anxious about the injury affecting her burgeoning modeling career.
Zarutskie knows it could have been worse. Apparently not intent on posing for the photo, one of the sharks made a decision to have a go at her arm.
Zarutskie did not immediately respond to a request for comment.
A Perth woman was also attacked by nurse sharks last month with vision of the attack caught on camera. Doctors believe there may still be fragments of shark teen lodged inside her wrist.
"It happened so quickly", Brunning told 7 News. I don't know where to look.
Instagram model and influencer Katarina Zarutskie recently went a step too far when trying to get those grid pics on holiday, very much proving that there's nothing people won't do for a like.