By the same measure the best diving insurance will leave you wanting if you suffer an accident while undertaking any other activities during your holidays, apart from Scuba diving. Having liability insurance is always a good idea for diving professionals, and is actually mandatory to maintain your status with most training agencies. So, if you are to have two or three minor events you will always be liable for the full amount of the excess each time. Doug Carlson – SSI and PADI Master Instructor, DAN Examiner, Business Owner. 2019-03-31T00:32:16+08:00. World Nomads Travel Lifestyle (Europe) Limited (CN 601852) markets and promotes travel insurance products of nib Travel Services Europe Limited trading as nib Travel Services (CN 601851), First Floor, City Quarter, Lapps Quay, Cork, Ireland, and underwritten by XL Insurance Company SE and XL Catlin Insurance Company UK Limited. Until next time, Fair Winds, Following Seas and Ultimate Visibility! Dive insurance provides peace of mind. Many policies will only cover you to your recommended training depth, so if you are an Open water diver and have an accident after a 20 m/65 ft dive, you may easily find yourself out of cover. I get the sense in the driver forums that people don’t feel like they should have to pay extra for insurance for their jobs. But when accidents happen, they get expensive quickly and many of the costs probably aren't covered by your primary health insurance. Furthermore it is an added expense to you. Without a reliable coverage, any sort of unfortunate event during a dive may lead to significant financial problems. A dive insurance is primarily focused on dealing with problems that arise from diving activities, is tailored for divers, and will cover various things from the cost of recompression therapy and hospital care needed as a result of a diving accident, to search and rescue operation costs and replacing equipment damaged or lost due to an emergency. PADI recognizes Divers Alert Network® (DAN®) as a leading dive safety organization and provider of dive accident coverage. They will only cover you for a set number of days per year. So, if you were to have an accident early on in the year during one trip, that was sufficiently long to use up most or all of your year’s coverage, and then you had another accident later in the year, you may find you are out of cover, since you have been out of your home country that year for more days than you are covered for. Wouldn’t you prefer to use those savings to explore the next reef, wreck, beach or culture of some exotic location? Though specialized insurance is great for covering diving related accidents, be aware of what it doesn’t cover. Or a helicopter ride to the nearest chamber? Other organisations are comparable and worth looking into, but make sure it's diving insurance for divers. Discover our insurance plans and choose the one that best suits you. Should I get a dive insurance? Sometimes it can be annoying getting past the answerphone people, but ultimately, they are your best bet. Diving boards are not only incredibly dangerous, they're also a huge insurance liability. Maybe it should be, that’s a totally different topic of discussion. For the little amount of money it costs for scuba diving insurance, with the right insurance you have total peace of mind. As a professional you are liable for your actions towards students and other divers you hold a position of responsibility for. Specialized insurance for divers is tailored specifically to the kind of medical costs that affect divers and can provide extra benefits like covering lost diving equipment and lost transportation costs. Children and Diving – A Physician’s Evaluation, Disinfecting Scuba Gear in the Wake of COVID-19. Medical treatment in some destinations, and specifically diving related medical treatment, or medical evacuation, can be very expensive. By having a dual policy, you can travel with the peace of mind that you will be covered in almost every eventuality. The effect of a restricted license on your car insurance depends on the reason behind the restriction. Club Member. Similar to other insurance products, dive insurance allows you to enjoy spending your time under the surface rather than thinking about the financial consequences in case an accident happens. While the concept of excess or deductible is relatively rare in diving insurance it can be quite common in travel insurance. However, anecdotal information and discussions with Hyperbaric Medicine Professionals revealed that the number of sessions vary based on several factors related to the symptoms and injury onset. And then match your requirements to the various travel and diving insurance policies available to you. Dive Insurance provides coverage if you are unable to dive due to sickness or injury. DAN has an excellent coverage when it comes to depth restrictions; only the most basic of packages, the Sport Bronze insurance, has a depth limitation of 40m/130ft. Cave Diver Life Insurance. The coverage lasts 90 days after registration or until your last certifying dive, whichever comes first. Because of this, we believe you should be at ease. A large number of diving insurance policies will have restrictions on cover, depending on the type of diving activity you are undertaking. Why You Need a Scuba Diving Insurance is obvious, all divers should be insured especially diving on liveaboards. Very commonly, policies will not cover you after a depth of 40 m/130 ft. Quite a few insurance policies have trip or time coverage restrictions away from your country of residence. If not, don’t worry, we sort it out for you. Scuba Diving Travel Insurance. Your primary medical insurance may exclude scuba diving as a hazardous recreational activity and/or may not provide coverage when you … Decompression illness (DCI) is, fortunately, rare--one or two cases in 10,000 dives, by the best guess of Divers Alert Network (DAN). Yes you should. Please see below for a list of scuba dive insurance entitlements should the worst happen: Death Benefit £10,000; Loss of one limb £5,000; Loss of two limbs £10,000; Loss of one eye £5,000; Loss of both eyes £10,000 ; Maximum for loss of limbs and loss of eyesight £10,000; Permanent Total disability £10,000; As standard there is no Excess on IDEC. Now, without having to worry, you can focus on your diving education. Posts tagged with: should i get travel medical insurance. You need a insurer that understands these problems and will … Registered Office Sir Ugo Mifsud Street Ta'Xbiex, XBX 1431 - Malta • Continental Operations Office C/da Padune, 11 - … Be smart and prepare for any eventuality. Mer. Get dive insurance! Needless-to-say, I was transported to a local hospital and treated. Your diving equipment might get damaged, your camera might get flooded, or your flipper might get eaten by a shark (although that would be a less likely case). I've used my DAN insurance (Preferred), and they covered my co-pays and additional travel/hotel expenses, even though my health insurance payed for the chamber in the long run. No? It depends on your intent. In many cases, the effect might not be as substantial as you think. Generally depending on your travel patterns your best option is to get two insurance policies. It is recommended that you get diving insurance, because, even though scuba diving is considered a safe activity, in the unfortunate event of a diving accident, insurance payouts can run into hundreds of thousands of US dollars. Advertisement. Do I Need SCUBA Diving Insurance When on Vacation? Yes - get DAN insurance. Folks, a few extra dollars for insurance should not be a deal breaker here. freediving. You are running a business. But things are a little different if you’re buying a car while you have an existing insurance policy. For instance, a quite common policy will cover you all year but only for trips of 90 day or less. – Short Answer, YES! Because the physicians were familiar with DAN, they placed a call and received expertise in the field and treated and released me. Bear in mind that the excess or deductible is generally not a yearly sum, but per event. what kind of insurance to get for diving vacations. Options To Consider Regarding Dive And Travel Insurance Even though travel and diving go hand in hand, often the best travel insurance will prove very lacking if you have an accident while diving on holiday. If you’re planning a trip and might only be diving once or twice, one-time travel insurance may be a better option to cover any injuries or problems you might face. The excess or deductible is a portion or sum that you a liable for. Plans offered by DAN range from $40 to $120 for annual plans. 6. How long do you have to get insurance when you buy a car? While it is advertised that all other plans have no depth limit restrictions, this is not entirely accurate, the coverage is only extended automatically up to a depth of 130m/426ft. Nice! If you have particularly expensive dive gear or camera equipment, you should take a scuba diving equipment insurance policy that covers each item specifically to get its replacement cost; In case of camera gear flooding – a flooded camera housing is expensive to repair, and can happen both due to manufacturing faults and user error. Lak | Khao Lak, Phang-nga, Thailand, should you get a dive may lead to financial. That best suits you it would cover a dive may lead should i get diving insurance significant financial problems, without to... 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