As a diver, you are aware of the multiple risk related to scuba diving activities, sometimes diving insurance including Air Transportation are required for some remote diving area and Recompression Chamber asset is a "Must Have" to participate to these dive liveaboard cruise or any diving activities.
In any case, We always S.T.R.O.N.G.L.Y recommend our divers & dive traveller to have one insurance prior to taking part in any diving activities as in case of any accident. Dive insurance provide a a generous Coverage and benefit for emergency evacuation and hyperbaric chamber treatments. You will be happy to have this specific insurance to provide fast & professional medical supports and the cost coverages.
Do I really need dive accident insurance? I have primary medical coverage
Your primary medical insurance may exclude scuba diving as a hazardous recreational activity. If it covers scuba diving, it may pay only a minimal amount for chamber treatment. Many policies may not cover you when you are out of your region or out of the country.
THINGS YOU NEED TO KNOW：
Nowadays, some travel insurance has "included" scuba diving coverage. But they might don’t have the local network properly set diving medical supports to help you in "bad events", and many of the travel insurance has 30 m depth limit policies, which is not always enough. Even if you don’t plan to go deeper than 30 m there is always a chance you may overshoot, or circumstances dictate that you go deeper. This is the reason we recommend our divers to subscribe to a REAL Dive Insurance.
You can find below our recommended Dive Insurance partner where you can subscribe your insurance directly online with them or we can include this insurance into your dive package, you can choose the way you prefer, the important point regarding this Dive Insurance: DiveAssure
DiveAssure is the possibility to combine Dive Insurance with a Travel Insurance in case of flight delays, luggage delays, luggage lost or even the worst case missing your dive liveaboard.
Click on the image below to see the different insurance available either for a single trip, multiple trip including or not the Liveaboard dedicated program call Liveaboard Rider
Unlike Dive insurance which is a "must" when you go for a liveaboard trip, Travel insurance is an "option", none of our dive packages have TRAVEL INSURANCE required to be able to board/check-in, so this is your own decision. It’s really depends how you are traveling and the risk of any uncertainties during your holidays.
However, we strongly suggest our divers to take out travel insurance to cover any loss that might happen. Especially for these who book a trip long ahead.
Travel insurance can provide the coverage that the dive insurance do not cover.
For example: diving accident insurance will pay the diving related medical costs such as hyperbaric chamber treatments, but during a trip you may incur many other expenses or lose, some or all of your trip investment through scenarios such as non-diving medical situations, cancellation and interruption due to many reasons like inclement weather, personal or family issues, airlines delay... etc. A travel insurance will protect you against such unforeseen scenarios.
Different insurance policies have different terms and conditions and coverage levels, so reading the fine print of each program is essential. So, what does travel insurance cover?
The short answer is: Cancellations, medical expenses, evacuations, loss or delays, and 24/7 assistance. These are the 5 basic types of coverage provided with vacation insurance.
The No.1 concern for most travelers is Cancellations: Plane tickets, cruise fare, tour packages, hotel rooms, charter diving boats... As when you plan a dive trip, you are investing money, and if these expenses are pre-paid and non-refundable within certain time-limits, you risk losing it if something goes wrong. Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart.
The same goes to the Trip Interruption Coverage, for example: if something happens and you are required to return home, insurance will reimburse you for the lost portion of your trip…as well as any additional expenses for the last-minute flight home.
Then the Medical Expense Coverage will cover you for accidents and emergency medical and dental care when you travel abroad.
Emergency Evacuation Coverage will pay for emergency evacuation expenses such as airlifts and medically equipped flights back home, and oftentimes will transport you to the hospital of your choice for care.
Baggage Coverage can reimburse you for your personal belongings if your luggage is lost, stolen or damaged.
Baggage Delay Coverage provides money to buy essential items until your delayed bags arrive, such as a toiletry kit, a swimsuit, or another change of clothes.
Travel Delay Coverage provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant.
And the 24/7 Travel Assistance Services can help you with: Locate the nearest adequate hospital if needed, Organize medical transportation, Arrange for treatment and overcome any language barriers, Organize transportation home, Replace prescriptions in an emergency, Lost baggage search; stolen luggage replacement assistance, Lost passport/travel documents assistance, Travel information including visa/passport requirements, Emergency telephone interpretation assistance.
When you are participating to a dive liveaboard anywhere in the world, you might want to consider to take a specific travel insurance that is suitable for liveaboard holidays.
As the only insurance all the liveaboards in the market will provide you is the boat accident insurance, in case you are having an accident on the boat like falling down from the leather for example or cut yourself on some part of the boat. Anything else happening will not be the boat operator’s responsibility. For example: a Dhoni with all your dive equipment onboard get fire and the Dhoni sunk with all your dive equipment on it. The boat operator will not be responsible for any damages/loss of your equipment.
So, if you wish to purchase Specific Coverage For Liveaboards, we highly advise you the get the best one available for liveaboard divers with DiveAssure.
DiveAssure offers a special insurance plan for liveaboard travelers: "The Liveaboard Rider".
The Liveaboard Rider is a unique insurance product that is offered exclusively by DiveAssure to cover scenarios specific to liveaboard trips that are not covered by any other travel insurance program on the market.
Click on the link below to compare the different formulas offered by our partner - DiveAssure