Moreover, some policies will actually have a ban on some diving activities like technical or cave diving, or even impose a maximum depth limit on your coverage. Because the physicians were familiar with DAN, they placed a call and received expertise in the field and treated and released me. Don’t leave your business vulnerable here. I have personal experience using my DAN insurance some years ago. Bear in mind that the excess or deductible is generally not a yearly sum, but per event. If you have any questions, contact us or visit the DAN website and see for yourself how membership in DAN and the right plan for you is the perfect companion to your dive gear! A large number of diving insurance policies will have restrictions on cover, depending on the type of diving activity you are undertaking. Joins Today at: DAN Insurance Membership Application. Dive insurance is not just for certified divers. And when you consider that the financial wipeout of a DCI hit can be … If your current policy does not cover scuba diving, you should purchase a separate scuba diving travel insurance policy.. We will help you work out if you are already covered by your travel insurance. 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). 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. Even though diving boards can be fun, their insurance risk to the homeowner should be kept in mind when installing. Professional insurance will cover up to a limit the legal fees you may incur defending a lawsuit, as well as some compensation claims if you lose your case. If you are planning to finish your checkout dives in some exotic location, ensure that you enroll for regular insurance so there is no lapse in coverage between your final certification dive and your first open water dive as a newly-minted ocean explorer. Sign Up Padi Services. Dive Insurance. Due to the unusual circumstances in which these things might happen, you won’t be covered with just a standard package. Discover our insurance plans and choose the one that best suits you. As we mentioned above, you should make sure you have car insurance before you take home your new vehicle, even if you have to call your broker from the dealership to give them the final information. Your primary medical insurance may exclude scuba diving as a hazardous recreational activity and/or may not provide coverage when you are traveling out of the country. Why should I get diver insurance, and from who? Should I Get Dive Insurance? Decompression illness (DCI) is, fortunately, rare--one or two cases in 10,000 dives, by the best guess of Divers Alert Network (DAN). The effect of a restricted license on your car insurance depends on the reason behind the restriction. Family Plans. Through the years while teaching and traveling, both students and dive travel companions have often asked, “do I really need dive insurance?” to which I reply, “do you have an extra $25,000 lying around?” This is because the license restrictions are designed to help ensure that you can drive safely rather than to penalize you. How much do you dive in a season; two, three, four times with multiple and/or repetitive dives per trip perhaps? No heavy sales pitch here, but seriously:  if you dive at all, diving insurance is a must. But when accidents happen, they get expensive quickly and many of the costs probably aren't covered by your primary health insurance. This got me thinking, it’s really not worth the risks. My DAN insurance picked up the cost of the ambulance ride and the hospital expenses. As the leader in dive training, PADI recognizes DAN’s global leadership in dive safety research and education. PADI recognizes Divers Alert Network® (DAN®) as a leading dive safety organization and provider of dive accident coverage. Why You Need DAN Scuba Diving Insurance. Medical treatment in some destinations, and specifically diving related medical treatment, or medical evacuation, can be very expensive. Wouldn’t you prefer to use those savings to explore the next reef, wreck, beach or culture of some exotic location? It is up to you to decide if you are willing to pay the extra cost of because of it’s high insurance risk. They will only cover you for a set number of days per year. 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. Homepage>Scuba Tips>Should You get a dive insurance? Posted by. Furthermore it is an added expense to you. If you’ll be scuba diving on holiday, then you’ll need to get scuba diving insurance. I have dealt with them a number of times and they've been great. The coverage lasts 90 days after registration or until your last certifying dive, whichever comes first. Should I get a dive insurance? Though specialized insurance is great for covering diving related accidents, be aware of what it doesn’t cover. Choosing the right dive and travel insurance for you can be a little tricky but is a relatively straightforward process depending on how often you travel and dive and the level of cover you need. Advertisement. It was primarily designed for people going on holiday to enjoy a typical vacation visiting a beach, staying at a hotel and doing rather little. Pro Member. ScubaHive. Levels of cover vary among providers, so always make sure a policy offers the cover you need before buying. 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. Anyone simply starting their certification should acquire a student-level policy. Through the years while teaching and traveling, both students and dive travel companions have often asked, “do I really need dive insurance?” to which I reply, “do you have an extra $25,000 lying around?” My personal experience with my diving insurance provider, DAN – Divers Alert Network, is a prime example of why supplemental insurance is a key component of my dive gear. Whew– moving is not easy. Your primary medical insurance may exclude scuba diving as a hazardous recreational activity and/or may not provide coverage when you … For the little amount of money it costs for scuba diving insurance, with the right insurance you have total peace of mind. For instance, a quite common policy will cover you all year but only for trips of 90 day or less. 6. Email Updates. In other words, those people know their sh*t! A typical travel insurance is geared towards compensating you for flight and travel problems, illness while abroad, or basic emergency situations that may occur. 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. 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. Scuba diving insurance should cover everything your normal insurance won’t. Or a helicopter ride to the nearest chamber? There may be large out-of-pocket payments for deductibles and copays. Back to our caller's question: Should she buy dive insurance? 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. … Dive insurance provides peace of mind. Once you get into the sport of scuba diving, it is highly recommended that you should get a diving insurance. Doug Carlson – SSI and PADI Master Instructor, DAN Examiner, Business Owner. Finding appropriate dive cover can be difficult. Generally depending on your travel patterns your best option is to get two insurance policies. Get yourself covered. Why not, it’s FREE! Source: Scubaboard. If not, don’t worry, we sort it out for you. The excess or deductible is a portion or sum that you a liable for. It depends on your intent. scuba-diving. 31/13 Moo 6 Khao Lak, Phang-nga, Thailand, Should You get a dive insurance? As a professional you are liable for your actions towards students and other divers you hold a position of responsibility for. DAN EUROPE FOUNDATION. To have your cover valid past that depth you have to submit your dive plan, along with support procedures and other details in writing to DAN, who will then approve the extension of your coverage. I was stung on my face and neck and began to experience severe nausea and shortness of breath. Dive Insurance provides coverage if you are unable to dive due to sickness or injury. 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. Can you go on a liveabord and not have specifick sciba diver insurance? Do I need scuba diving insurance? Then you’ll fully enjoy diving without thinking about … Yes you should. do you guys have any advice on the kind of insurance to get? How to get car insurance with a restricted license. For instance, if you have an excess of $1,000 and you have an accident and the treatment ends up costing $10,000, you will be expected to pay for the first $1,000 of treatment and the insurance company will cover the remaining $9,000 of your treatment. To check whether a standard travel insurance policy includes cover for scuba diving, look under ‘Key Features’ to see if it’s listed among the activities covered. We at Pattaya Dive Center found a fantastic international dive insurance we would like to recommend you use Cave diving represents less than 10% of all fatalities but is of greater concern to life insurance underwriters than open water diving. You need a insurer that understands these problems and will … It generally has a very limited cover and will exclude some types of holiday activities like scuba diving, skiing, and snowboarding. 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. There are three factors to consider when choosing a diving insurance: firstly, the limits on recompression coverage and how large it is; secondly, restrictions on the depth/type or even equipment used when diving; and finally, any limits on the time you can be away from home and remain covered by your insurance. Sometimes it can be annoying getting past the answerphone people, but ultimately, they are your best bet. I was on a trip in the Florida Keys when I encountered a dense field of Jellyfish during a descent. Well, we can tell you it’s a TON of money. Get dive insurance! Posts tagged with: should i get travel medical insurance. Be smart and prepare for any eventuality. i am going to turks and caicos for a live aboard trip in jan for 7 days, departing from canada. – Short Answer, YES! 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. When you consider the absolute bare minimum recompression treatment is 2 hours in a chamber, and that on average a case of DCS (Decompression Sickness) will require several “rides” in a chamber each lasting several hours, you can easily see how the costs can mount up quickly. 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. Before buying insurance first determine how often you travel and dive and your desired level of cover. Should I Get Dive Insurance? By Victoria Zidwick Published on Tuesday, April 30, 2019. In many cases, the effect might not be as substantial as you think. Do I Need SCUBA Diving Insurance When on Vacation? Folks, a few extra dollars for insurance should not be a deal breaker here. 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. Until next time, Fair Winds, Following Seas and Ultimate Visibility! – Short Answer, YES! As a supplemental policy, it covers those expenses that your primary insurance policy does not cover. If you embark on a long round the world trip, you will find that you have no coverage after 90 days since you have gone over the trip limit. Regardless of the answers to any of these questions, one must ask how much risk you are willing to take. So here are the fine points on dive insurance and what are your best options. In general, pure travel insurance can prove rather lacking in cover for divers. Ultimately, with a small series of mishaps costing under $1,000 each you may find that you bear all the cost every time. You can also purchase plans that are short-term or single trip-based and many also include a variety of additional coverage such as equipment loss, repatriation, extended stays, emergency evacuation and more. This is no surprise since the world of insurance can be a minefield. freediving. 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. hey guys. Should I get life insurance before I go scuba diving? I certainly do! If yes.... Who and why.? No matter how frequently you dive, DAN membership and dive accident insurance are as essential to dive safety as your PADI training and gear. Now, without having to worry, you can focus on your diving education. 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. It is free of charge and provides coverage up to $25,000 for medical expenses for injuries occurring during entry-level training for both scuba and breath-hold diving. Archived . And then match your requirements to the various travel and diving insurance policies available to you. Has your physical fitness or overall health changed? Insurance Dive with peace of mind with DAN, knowing that you are covered in case of an unexpected incident. Needless-to-say, I was transported to a local hospital and treated. By having a dual policy, you can travel with the peace of mind that you will be covered in almost every eventuality. No? 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