Finding a suitable travel insurance policy to cover your trips is not an easy task. When comparing different travel insurance programs you will find major differences in the level of coverage between the different programs on the market. The challenge is even bigger when going on a dive trip. Divers are not always aware of their special insurance needs as well of the specific knowledge and experience that is required when treating diving accidents in remote destinations, often with insufficient local medical knowledge.
Why should I make sure to travel with insurance?
In the event of serious injury or illness, insurance payouts can run into the hundreds of thousands of US dollars. An uninsured traveler will be at the mercy of the local medical system and the traveler’s credit card and bank. Medical treatment in some regions and specifically diving related medical treatment can be very expensive. An uninsured person will need to pay out of pocket, sometimes upfront, and that could be a problem.
What needs to be covered by my travel insurance?
Medical Coverage - Emergency medical coverage is most important, and when dive-traveling, medical coverage should pay for treatments in hyperbaric chamber. Different insurance policies have different terms and conditions so reading the fine print of each program is highly recommended. Coverage for medical evacuation is also very important and should include all types of evacuation.
Trip cancellations, interruptions and delays:
Other important benefits for a travel program are coverage for trip cancellations, interruptions and delays. Such coverage will protect your investment in case you need to cancel your trip due to various reasons, or cut your trip short in the middle.
24/7 Emergency hotline
Of course, a 24/7 emergency hotline should be available to you when traveling.
Diving Accident Insurance
Looking for diving accident coverage when diving abroad? DiveAssure’s annual or short-term diving accident programs offer the coverage you need. Choose between two levels of diving accident programs to cover your diving activities outside the United States. Programs include coverage for medical expenses, emergency medical evacuations, hyperbaric treatments and much more
DiveAssure programs are PRIMARY. A primary policy means that the insured doesn’t have to wait for any other insurance company to pay first. It allows us to pay directly and in real-time to hyperbaric chambers around the world as we do not have to wait for another insurance company to get involved. This helps you not pay a large amount out of pocket. Additionally, a claim that we settle will not have any effect on the premium you pay for your health insurance.