Dive Gear, Check! But what about your safety net? From BCDs to Dive Computers, most of us have our typical diving checklist sorted. Yet, don’t overlook the crucial aspect: comprehensive diving accident coverage. It’s the difference between a dream dive vacation and a potential disaster. Ensure your peace of mind with our comprehensive diving insurance for Diving and Travel.
Let’s take a look at the reasoning behind why a dive insurance should be top of your check list.
Are Diving Accidents a Common Occurrence?
Most of us would agree that diving as it is today has become a relatively safe sport. Nevertheless, we are still submitting our bodies to higher pressures than they are used to, not to mention the fact that we are in an environment where we cannot breathe without our breathing apparatus, we are entirely dependent on our equipment. Common activities such as swimming, jogging, or being in a car are far more dangerous and there are more accidents than with scuba diving. The issue with scuba diving is that when something does go wrong, due to being underwater and submitted to high pressure, things can go really wrong and medical expenses to cover treatment can be extortionate.
Why do I Need Diving Accident Insurance?
As aforementioned, most diving accidents require very expensive treatments, and the location of diving spots is often remote, far away from general medical clinics or hospitals, let alone specialized diving clinics and hyperbaric chambers. In the event of an accident, the last thing you want to be thinking of is how you are going to get treated, where you need to go and how you will pay for your treatments. With a DiveAssure coverage plan we take over from the moment of your accident, upon calling the emergency services or Coast Guard, your next call should be to our emergency hotline, where diving medical professionals will liaise with the local team to ensure you get the best care available in that area. We ensure your evacuation goes smoothly and cover costs for the duration of your hospital stay, with added compensation for a traveling partner who stays with you and compensation for changes in your travel or flights.
Did you know that in some countries you will not be treated without proof of insurance or payment up front? This could leave you in a truly sticky situation. Here are 10 important reasons why you should purchase a diving accident coverage.
What Are the Typical Benefits of Diving Insurance?
DiveAssure offers extensive coverage for emergency medical expenses, with the amount depending on the chosen plan. This includes evacuation/repatriation, additional costs for travel arrangements, travel assistance, coverage for lost diving gear, and technical diving (excluding commercial diving) – all without depth limits, as long as you dive within your training level.
Their medical coverage is comprehensive, ensuring that in the event of a diving accident, your policy pays directly and in real-time to hyperbaric chambers and other medical facilities worldwide. Our team of diving medical professionals, oversee your evacuation providing supervision and consultation to ensure you receive the most suitable and professional treatment.
If you go for our complete dive and travel insurance, you get the benefits of a diving accident insurance plan and additionally cover your trip for cancellation, lost luggage, lost documents, missed connections, travel delay, repatriation, and more!
But, I have travel insurance, why do I need specific diving coverage?
Always check the fine print of your travel insurance, although it may state that “diving is covered”, it frequently comes with high restrictions in regards to depth, dive time or dives per day – and often the coverage sum is too low to cover even one full round of hyperbaric treatment.
Additionally, general travel insurance rarely offers all the added benefits of diving insurance such as emergency repatriation or lost diving gear, lost diving days, or missed liveaboard departures, etc.
To summarize, diving insurance should be an essential component of your diving checklist for several compelling reasons. Firstly, it offers comprehensive coverage, encompassing emergency medical expenses, evacuation, repatriation, travel arrangements, and lost diving gear. In the unfortunate event of a diving accident, insurance ensures immediate and appropriate medical treatment, including direct payments to hyperbaric chambers and medical facilities worldwide. Additionally, diving insurance typically imposes no depth limits, as long as you dive within your level of training, providing divers with valuable flexibility. Leading hyperbaric medicine experts oversee evacuations, providing professional supervision and consultation for optimal treatment. Ultimately, having diving insurance grants peace of mind, knowing that you are financially protected against unexpected emergencies or accidents during your diving expeditions.
We’ve Got You Covered – Click here to get your DiveAssure coverage today.