It is up to you to decide if you are willing to pay the extra cost of because of it’s high insurance risk. If you’ll be scuba diving on holiday, then you’ll need to get scuba diving insurance. Sport Member. These alone can total thousands of dollars. Club Member. Decompression illness (DCI) is, fortunately, rare--one or two cases in 10,000 dives, by the best guess of Divers Alert Network (DAN). Sign up to get the latest updates, offers and more. Due to the unusual circumstances in which these things might happen, you won’t be covered with just a standard package. 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. As the leader in dive training, PADI recognizes DAN’s global leadership in dive safety research and education. Quick research shows there is no specific amount that one can tag to a “chamber ride” for Decompression Illness (DCI). I have dealt with them a number of times and they've been great. 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. Regardless of the answers to any of these questions, one must ask how much risk you are willing to take. Medical treatment in some destinations, and specifically diving related medical treatment, or medical evacuation, can be very expensive. 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. 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. How long was it since your last dive? Yes you should. i am going to turks and caicos for a live aboard trip in jan for 7 days, departing from canada. Joins Today at: DAN Insurance Membership Application. 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. Archived . Though specialized insurance is great for covering diving related accidents, be aware of what it doesn’t cover. 6. do you guys have any advice on the kind of insurance to get? Bear in mind that the excess or deductible is generally not a yearly sum, but per event. I was on a trip in the Florida Keys when I encountered a dense field of Jellyfish during a descent. Without a reliable coverage, any sort of unfortunate event during a dive may lead to significant financial problems. This got me thinking, it’s really not worth the risks. Student Insurance. Other policies have a different type of time restrictions. 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). And when you consider that the financial wipeout of a DCI hit can be … 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. Have you ever thought about the cost of a hyperbaric chamber session? u/portol. My DAN insurance picked up the cost of the ambulance ride and the hospital expenses. Other organisations are comparable and worth looking into, but make sure it's diving insurance for divers. Recompression is expensive; depending on where you are in the world the costs can run from several hundred dollars per hour of therapy, to several thousand per hour of treatment. … https://www.essentialtravel.co.uk/travelinsurance/scubainsurance Posts tagged with: should i get travel medical insurance. No? Do I need scuba diving insurance? Should I get a dive insurance? As an SSI and PADI Master Instructor and DAN Examiner, I always emphasize the need for new Open Water students to sign-up for a continuing plan after their certification is complete. freediving. DAN EUROPE FOUNDATION. Why not, it’s FREE! DAN’s insurance plan doesn’t cover any accidents or illnesses not caused by a diving … diving. Because the physicians were familiar with DAN, they placed a call and received expertise in the field and treated and released me. Plans offered by DAN range from $40 to $120 for annual plans. And then match your requirements to the various travel and diving insurance policies available to you. Wouldn’t you prefer to use those savings to explore the next reef, wreck, beach or culture of some exotic location? Mer. Source: Scubaboard. 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. hey guys. By having a dual policy, you can travel with the peace of mind that you will be covered in almost every eventuality. In general, pure travel insurance can prove rather lacking in cover for divers. 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. Phuket Airport Taxi to Khao Lak | Khao Lak to Phuket Airport. 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. Should I Get Dive Insurance? Should I get life insurance before I go scuba diving? It's dive insurance for divers run by divers. 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 it does provide coverage, it may pay only a minimal amount for chamber treatments. You need a insurer that understands these problems and will … As a supplemental policy, it covers those expenses that your primary insurance policy does not cover. There is a distinct difference between diving insurance for professionals and for amateurs. 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. No matter how frequently you dive, DAN membership and dive accident insurance are as essential to dive safety as your PADI training and gear. scuba. 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. However, most experts agree that a figure of $20,000-$25,000 was a fair assessment for a treatment cycle. By Victoria Zidwick Published on Tuesday, April 30, 2019. But you have to remember, this isn’t a job. Having liability insurance is always a good idea for diving professionals, and is actually mandatory to maintain your status with most training agencies. 2019-03-31T00:32:16+08:00. 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. No heavy sales pitch here, but seriously:  if you dive at all, diving insurance is a must. 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. They will only cover you for a set number of days per year. The coverage lasts 90 days after registration or until your last certifying dive, whichever comes first. 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. How to get car insurance with a restricted license. Cave diving represents less than 10% of all fatalities but is of greater concern to life insurance underwriters than open water diving. The excess or deductible is a portion or sum that you a liable for. How much do you dive in a season; two, three, four times with multiple and/or repetitive dives per trip perhaps? – Short Answer, YES! We highly recommend that scuba divers purchase a separate annual dive insurance policy, such as Divers Alert Network (DAN) Dive Insurance or DiveAssure Dive Insurance. If yes.... Who and why.? 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. This is because the license restrictions are designed to help ensure that you can drive safely rather than to penalize you. You are running a business. Effectively what this policy means is that you have to return home every 90 days and start another trip. Get Dive Insurance. As a professional you are liable for your actions towards students and other divers you hold a position of responsibility for. Generally depending on your travel patterns your best option is to get two insurance policies. Homepage>Scuba Tips>Should You get a dive insurance? Dive insurance are very important to get yourself insured for your dive trip to Thailand and also if you do any activities like scuba diving. 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. Many of these are supplemental (or secondary) policies that specifically cover scuba diving accidents. Needless-to-say, I was transported to a local hospital and treated. Back to our caller's question: Should she buy dive insurance? Then you’ll fully enjoy diving without thinking about … Your primary medical insurance may exclude scuba diving as a hazardous recreational activity and/or may not provide coverage when you … A general travel insurance policy that will cover you for any non-diving issues that arise during your travels, and a specialized diving insurance that covers you for any diving accident. 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. This is no surprise since the world of insurance can be a minefield. Here we explain the risks and costs. Has your physical fitness or overall health changed? Maybe it should be, that’s a totally different topic of discussion. Posted by. Source: Scubaboard. Better yet, you should check your personal medical insurance policy and determine whether it would cover a dive accident. Folks, a few extra dollars for insurance should not be a deal breaker here. 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. Why should I get diver insurance, and from who? We at Pattaya Dive Center found a fantastic international dive insurance we would like to recommend you use 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. Get dive insurance! Should I Get Dive Insurance? We bought insurance on a U-Haul recently when we moved from Oklahoma to Arizona, and I think it was one of the smartest financial decisions we made during our move. what kind of insurance to get for diving vacations. 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. Diving boards are not only incredibly dangerous, they're also a huge insurance liability. There may be large out-of-pocket payments for deductibles and copays. what kind of insurance to get for diving vacations. 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. Until next time, Fair Winds, Following Seas and Ultimate Visibility! Registered Office Sir Ugo Mifsud Street Ta'Xbiex, XBX 1431 - Malta • Continental Operations Office C/da Padune, 11 - … When coupled with other medical costs, a single dive incident can severely impact personal savings if you have no supplemental insurance. WHY YOU SHOULD GET INSURANCE ON A U-HAUL. 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. Well, we can tell you it’s a TON of money. If you participate in cavern diving, a flat extra will be added to your life insurance policy. Sometimes it can be annoying getting past the answerphone people, but ultimately, they are your best bet. For the little amount of money it costs for scuba diving insurance, with the right insurance you have total peace of mind. Be smart and prepare for any eventuality. So here are the fine points on dive insurance and what are your best options. If not, don’t worry, we sort it out for you. 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. If your current policy does not cover scuba diving, you should purchase a separate scuba diving travel insurance policy.. I was stung on my face and neck and began to experience severe nausea and shortness of breath. Once you get into the sport of scuba diving, it is highly recommended that you should get a diving insurance. Children and Diving – A Physician’s Evaluation, Disinfecting Scuba Gear in the Wake of COVID-19. A large number of diving insurance policies will have restrictions on cover, depending on the type of diving activity you are undertaking. Whew– moving is not easy. Levels of cover vary among providers, so always make sure a policy offers the cover you need before buying. Discover our insurance plans and choose the one that best suits you. Dive insurance is not just for certified divers. Pro Member. Standard travel insurance was not designed with Scuba divers in mind or, for that matter, any other types of sporting activities. Scuba Diving Travel Insurance. Close. +2 votes. I have personal experience using my DAN insurance some years ago. PADI recognizes Divers Alert Network® (DAN®) as a leading dive safety organization and provider of dive accident coverage. – Short Answer, YES! Nice! Get yourself covered. Doug Carlson – SSI and PADI Master Instructor, DAN Examiner, Business Owner. asked Oct 12, 2017 in Scuba Diving by frontbeast (2,220 points) Do you All have that? Why You Need DAN Scuba Diving Insurance. Do I Need SCUBA Diving Insurance When on Vacation? At the end of the day, you don’t know when someone could trip or fall because of the diving board. scuba-diving. – Short Answer, YES! Finding appropriate dive cover can be difficult. 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. Compared to this sport, insurance is cheap. How does ocean pollution affect marine life? 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