A scuba dive vacation should be fun and you should be able to enjoy it without having anything to worry about. In most cases it is. But what happens when you are not careful, bad luck strikes and you have a diving accident. In this case, you will be happy if you have taken out good diving insurance.
Do I Need Scuba Diving Insurance?
Well, hopefully, you don’t need scuba diving insurance. But if you should have an accident in the water while snorkeling or diving, then it has many benefits if you are covered.
Most regular medical insurance policies exclude what they consider hazardous recreational sports. This includes about all activities that are not part of normal everyday life. So no wonder scuba diving, mountaineering, bungee jumping, paragliding, and other fun stuff are not covered. And if it is covered, you want to make sure you have read the small print, whether that coverage only applies to your home country only or also for abroad when you are traveling.
As a diver, even though if the risk of a diving accident is very small, should an accident occur and special diving or hyperbaric treatment becomes necessary, it quickly adds up to a considerable cost of many thousands of dollars.
What a Dive Accident Insurance should cover?
It should cover all costs of medically necessary services and supplies provided for the care and treatment of a diving accident or in-water accident when prescribed, performed, or ordered by a Physician. This include:
- Ground, marine or air ambulance transport from the accident site to the nearest hospital or hyperbaric chamber where prescribed care or treatment can be given
- Hyperbaric Chamber Treatment
- Physician’s Charges for Hyperbaric Chamber Treatment
- All emergency medical care and all necessary aftercare
- All Physicians and Hospital charges
What Is The Best Travel Insurance For Diving?
Competition of travel insurance providers is high, there are hundreds of travel and diving insurance plans out there.
One of the most widely known organizations providing worldwide coverage for recreational or professional divers is DAN – Divers Alert Network
The DAN Dive Accident Insurance Plans are recognized worldwide and can be confirmed 24 hours a day through the DAN Emergency Hotline (+1-919-684-9111).
The DAN plans provide secondary coverage of up to $500,000 and pay 100% of eligible expenses.