The most common water sports, such as jet skiing and snorkeling, are covered by many travel insurance packages. Scuba diving is less commonly covered by insurance policies due to the heightened risk. However, some plans are designed specifically for the most daring visitors and can cover a wider range of activities.
Travel insurance products that include a Sports & Activities filter allow passengers to specify the activities they intend to participate in. One of these activities is scuba diving. In the event that something happens while a diver is diving, a policy with this coverage can provide all relevant benefits, including Emergency Medical, Medical Evacuation, and Trip Interruption.
Is scuba diving covered by life insurance?
Recreational scuba diving has no bearing on your life insurance policy, however habitual or professional scuba divers will be charged a flat fee on top of their premium.
Do you need insurance to scuba dive?
It is strongly advised that once you begin scuba diving, you obtain diving insurance. Then, if you have a diving emergency, you may fully enjoy diving without worrying about your cash.
Why do you need dive insurance?
Scuba diving insurance protects divers from having to pay for medical expenditures for life-threatening accidents that aren’t covered by standard health or travel insurance policies.
The deeper you dive, the more likely it is that your insurance will not cover the dive. Specialized scuba diving insurance is worth the extra effort, research, and money because of the additional hazards connected with diving.
How much does it cost to join DAN?
How much does it cost to be a member of DAN? Divers can join DAN for only US$40 per year for an individual or US$60 per year for a family. For US$100 each year, dive operators and businesses can join.
What is a DAN card?
DAN Regular Membership offers dive travelers a variety of perks, including digital access to Alert Diver magazine via the DAN app or online. Find out more. DAN membership alone does not cover the costs of a dive accident; each member must acquire dive accident insurance independently.
Is assure better than DAN dive?
The most significant distinction is that DAN is secondary insurance; they take over where your primary insurance (such as Blue Cross) leaves off. This has numerous ramifications. Primary insurance is Dive Assure. They will cover you if you have a diving emergency.
What’s covered
To be covered, you must have a valid SCUBA license or be diving under the supervision of a licensed diving instructor, among other things. The following activities are included in both the Standard and Explorer plans:
- Learn-to-dive classes for non-certified divers and discovery dives with a certified instructor.
Check out our Activities, Sports, and Adventure page for a complete list of scuba diving activities.
How it works
World Nomads may cover the following if you become critically ill or wounded while diving and require immediate medical attention:
- If you need to be evacuated, it’s a crucial aspect of your treatment (by the most appropriate means including helicopter when and available).
- Expenses for emergency medical treatment in a hospital or by a doctor at a local medical facility.
- Repatriation
- If you die in a car accident, your body can be returned to your home country.
- Sporting equipment may be protected if it is stolen, lost, or destroyed while being checked into your carrier. This insurance is in addition to any coverage offered by your transportation provider.
What’s not covered
Because scuba diving covers such a broad range of activities, it’s critical to study your travel insurance policy carefully. The following are some of the items that your plan might not cover:
This is only a summary. It does not include all of the plans’ terms, conditions, and exclusions. For detailed details on coverage and exclusions, please refer to the actual plans.
Is DAN insurance required?
Yes. It’s a good idea to carry both types of insurance because they provide various levels of protection. When a student or customer is hurt and files a claim against you or your business, professional, group professional, and general liability insurance protects you. In the event of a diving injury, DAN dive accident insurance covers hyperbaric chamber costs, physician and hospital fees, and ambulance costs. Dive accident insurance and liability insurance are not interchangeable, and their benefits do not overlap.