Seagrass and seaweed beds play important roles in coastal marine ecosystems. They are food sources and habitats for many marine organisms, and influence the physical, chemical, and biological environment. They are sensitive to human impacts such as reclamation and pollution. Therefore, their management and preservation are necessary for a healthy coastal environment. Satellite remote sensing is a useful tool for mapping and monitoring seagrass beds. The efficiency of seagrass mapping, seagrass bed classification in particular, has been evaluated by mapping accuracy using an error matrix. However, mapping accuracies are influenced by coastal environments such as seawater transparency, bathymetry, and substrate type. Coastal management requires sufficient accuracy and an understanding of mapping limitations for monitoring coastal habitats including seagrass beds. Previous studies are mainly based on case studies in specific regions and seasons. Extensive data are required to generalise assessments of classification accuracy from case studies, which has proven difficult. This study aims to build a simulator based on a radiative transfer model to produce modelled satellite images and assess the visual detectability of seagrass beds under different transparencies and seagrass coverages, as well as to examine mapping limitations and classification accuracy. Our simulations led to the development of a model of water transparency and the mapping of depth limits and indicated the possibility for seagrass density mapping under certain ideal conditions. The results show that modelling satellite images is useful in evaluating the accuracy of classification and that establishing seagrass bed monitoring by remote sensing is a reliable tool.