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Travel Insurance

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Finding the most suitable policy to cover your next trip can be tricky. It may be hard sometimes to understand the differences between the many travel insurance programs.

Choosing the right travel insurance program will give you peace of mind and therefore you need to make sure that you have the coverage you need for the type of trip you go on.

Diving trips are basically a regular trip or vacation, however, the main activity of diving requires some additional insurance benefits that will cover diving specific scenarios, like treatment in a hyperbaric chamber.

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.

Baggage coverage

Covering your personal baggage and diving equipment for losses should also be a benefit under the travel insurance program that you take out for your trip.

24/7 Emergency hotline

Of course, a 24/7 emergency hotline should be available to you when traveling.

Choosing the right level of coverage

Different programs offer different levels of coverage. When traveling to remote destinations or to a destination with an expensive medical system be sure to choose a program with high medical and evacuation coverage so that you are fully covered. Choosing a primary policy (vs. secondary coverage) will ensure that you will be eligible for admission guarantees, payment in real time to medical providers, fast claim processing and a clear claim history with your medical provider back home. Furthermore, make sure to choose the trip cancellation coverage that matches the full cost of your trip, so that in case of a cancellation or interruption, your investment will be covered in full.

Insurance premiums are calculated based on the level of medical coverage offered, duration of travel and cost of trip. The age of the traveler might affect the premium as well with some programs. Its important to consider additional programs and coverage options that are offered during the enrollment process, which might provide you with a more comprehensive package of benefits for your upcoming trips.

If something happens

When travelling, keep the emergency number you received handy. You can also program the phone number into your cell phone to make sure you have it at all times. Make sure to have your policy number and know the name of your travel insurance company. You can call the emergency help line for assistance. You can call for help even if your case is not a medical emergency and you simply require travel assistance due to an interruption, delay and more.

Filing a claim back home is generally straightforward – you’ll need to submit some forms, so keep receipts, get police reports, evidence – everything you can to support your claim. If the claim is investigated and accepted, normally you will be reimbursed within a few weeks. If not, an appeals process is always available.

Program Availability

Diving and travel programs are available for all nationalities, except for:

  1. US residents, diving within the United States. US residents diving or traveling abroad ARE covered.
  2. North Korea

Single-Trip Travel Insurance

Need coverage for just one dive trip? Choose from three levels of single-trip travel insurance to cover your upcoming vacation, diving related or not. Programs include coverage for diving and non-diving related evacuation and medical expenses, hyperbaric treatments, trip cancellation, trip interruption, missed connection, baggage loss and much more.

Three levels available

Standard – Basic travel protection covering both diving and other adventure trips.
Deluxe – Enhanced trip protection with higher limits.
Elite – Our top plan. Both dive travel and any other adventure or travel. Highest limits.

  • Standard*
  • Review Summary of Coverage
    Review Terms and Conditions
  • Policy Limit
    $150,000
  • Emergency Medical Expenses – Diving Related
    $150,000
  • Emergency Medical Evacuation – Diving Related
    $50,000
  • Emergency and Accidental Medical Treatment and Evacuation – Non-Diving Related
    $10,000
  • Cancellation and Interruption- Comprehensive Coverage
    $5,000
  • Lost Diving Days due to Medical Inability to Dive
  • Lost Diving Days due to Weather
  • Money and Documents
    $500
  • Loss of Passport
    $250
  • Travel Delay
    $500
  • Missed Departure/Connections
    $1,000
  • Legal Expenses
    $10,000
  • Repatriation of Remains
    $20,000
  • Travel Assistance
    Included
  • ATM Theft
    Up to $500
  • Deluxe*
  • Review Summary of Coverage
    Review Terms and Conditions
  • Policy Limit
    $500,000
  • Emergency Medical Expenses – Diving Related
    $500,000
  • Emergency Medical Evacuation – Diving Related
    $500,000
  • Emergency and Accidental Medical Treatment and Evacuation – Non-Diving Related
    $15,000
  • Cancellation and Interruption- Comprehensive Coverage
    $15,000
  • Lost Diving Days due to Medical Inability to Dive
    $100/500 (day/total)
  • Lost Diving Days due to Weather
    $150/450 (day/total)
  • Money and Documents
    $500
  • Loss of Passport
    $250
  • Travel Delay
    $1,000
  • Missed Departure/Connections
    $1,000
  • Legal Expenses
    $10,000
  • Repatriation of Remains
    $25,000
  • Travel Assistance
    Included
  • ATM Theft
    Up to $500
  • Elite*
  • Review Summary of Coverage
    Review Terms and Conditions
  • Policy Limit
    $2,000,000
  • Emergency Medical Expenses – Diving Related
    $2,000,000
  • Emergency Medical Evacuation – Diving Related
    $2,000,000
  • Emergency and Accidental Medical Treatment and Evacuation – Non-Diving Related
    $25,000
  • Cancellation and Interruption- Comprehensive Coverage
    $15,000
  • Lost Diving Days due to Medical Inability to Dive
    $250/1000 (day/total)
  • Lost Diving Days due to Weather
    $200/1000 (day/total)
  • Money and Documents
    $500
  • Loss of Passport
    $250
  • Travel Delay
    $1,000
  • Missed Departure/Connections
    $1,000
  • Legal Expenses
    $10,000
  • Repatriation of Remains
    $25,000
  • Travel Assistance
    Included
  • ATM Theft
    Up to $500

*Please note: While we strive to provide you with the latest information, please check with DiveAssure for specific policy details.

Annual Multi-Trip Travel Insurance

Travel twice a year or more? Choose DiveAssure’s annual multi-trip travel program to cover all types of vacations outside your country of residence. Program includes coverage for both diving and non-diving related evacuation and medical expenses including hyperbaric treatments and also trip cancellation, trip interruption, missed connection, lost baggage and much more.

Why Buy an Annual Multi-Trip Plan?

Convenience: Get coverage for all your trips outside your country of residence– both dive trips, vacations and other sport trips or any other trip abroad – under one policy.

Saving: Save on your travel insurance. If you go on two or more trips a year, covering all your travel under one policy will save you money.

  • Multi – Trip Deluxe*
  • Review Summary of Coverage
    Review Terms and Conditions
  • Policy Limit
    $500,000
  • Emergency Medical Expenses – Diving Related
    $500,000
  • Emergency Medical Evacuation – Diving Related
    $500,000
  • Emergency and Accidental Medical Treatment and Evacuation – Non-Diving Related
    $15,000
  • Cancellation and Interruption- Comprehensive Coverage
    $15,000
  • Lost Diving Days due to Medical Inability to Dive
    $100/500 (day/total)
  • Lost Diving Days due to Weather
    $150/450 (day/total)
  • Money and Documents
    $500
  • Loss of Passport
    $250
  • Travel Delay
    $1,000
  • Missed Departure/Connections
    $1,000
  • Legal Expenses
    $10,000
  • Repatriation of Remains
    $25,000
  • Travel Assistance
    Included
  • ATM Theft
    Up to $500

*Please note: While we strive to provide you with the latest information, please check with DiveAssure for specific policy details.

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.

When you add the Liveaboard Rider to your Deluxe or Elite plans you continue to enjoy all the benefits offered under those plans, as well as enhanced coverage ‎designed to protect you against unforeseen scenarios specific to liveaboard trips. The following exclusive benefits are included when you add the Liveaboard Rider to the Deluxe or Elite programs:

Trip Cancellations Due To:

  • Trip cancellation coverage due to a missed connection resulting in missing the liveaboard or in additional cost to join it.
  • Trip cancellation coverage for missing liveaboard departure due to airline delays.
  • Trip cancellation due to sinking of the liveaboard boat.

Lost Diving Days Due To:

  • Medical inability to dive.
  • Weather conditions not enabling diving/sailing.
  • Diving accident to other passenger on boat causing the boat to abort planned diving.
  • Expenses not reimbursed by the tour operator for default /mechanical breakdown to air supply.
  • Financial Default of the liveaboard operating company, or tour operator (Covered already by the Elite Plan).