A woman was nearly dragged underwater by an eight-foot alligator as her husband clung onto her - while a second victim jammed his fingers deep into the beast's eyes.

Christiane Salvador, 64, nearly lost her arm when she was suddenly attacked by a female alligator while kayaking with her husband Phillip and a group of 20 people on Tiger Creek in Polk County, Florida, on March 3.

Christiane first felt something 'bump against her paddle' before the massive alligator snapped it in half and sent her kayak flipping over into the water, she told Fox 5.

Witnesses were shocked as they watched her struggle to keep her head above water while screaming, 'There's an alligator on my arm.'

Her husband Phillip immediately tried to help.