While we all love scuba diving, we know it has its risks. Scuba diving insurance is essential to protect you in case something goes wrong during your scuba diving vacation.
Hopefully none of us will ever need to use that insurance, but we certainly don't want to know what will happen if we do need it and don't have it.
Exactly what type of scuba diving insurance and how much insurance you will need depends upon what type of insurance you currently have.
While it is not fun, you will need to check your policy to see what is covered under your current plan. Some plans exclude coverage for "risky" sports such as scuba diving.
So before you purchase any extra divers insurance, review your primary health insurance coverage to determine whether you are covered or not.
we are concerned with scuba diving travel insurance, see if your plan covers
hyperbaric treatment and emergency air evacuation. Both of these are
extremely expensive and you want to be covered for a worst case
If your current policy does not cover scuba diving, you should purchase a separate scuba diving travel insurance policy.
Many of these are supplemental (or secondary) policies that specifically cover scuba diving accidents. As a supplemental policy, it covers those expenses that your primary insurance policy does not cover.
There are many programs out there to choose from so you may want to shop around.
(I give you an outline and policy details of some of the more popular scuba diving insurance plans on my scuba dive insurance provider page.)
Personally, we use Divers Alert Network (DAN) which I outline on our insurance providers page. We have never had to use it (thank goodness!) so I don't have experience filing a claim with them. And I hope this never changes.
Another thing to consider is that some foreign countries want proof of payment (or even payment) before you are able to receive care and/or leave the country or hospital. Proof of a dive insurance plan can sometimes satisfy this requirement.
Some scuba diving insurance plans can even advance money in
Scuba diving equipment insurance is another major factor to consider when taking a scuba diving trip.
Gear is not cheap and if you have a full set of scuba equipment, it can easily cost over $1,000+ dollars. You want this investment protected in case of damage, theft, loss or other circumstance.
Several of the plans from the various dive insurance provider include some diving equipment insurance.
Scuba diving insurance is their specialty and they realize many divers take their own gear.
Check each policy to see how much coverage it offers. If insurance for scuba diving equipment isn't included, you can purchase a separate policy to meet your needs.
For instance, while DAN offers limited diving equipment insurance on some of their policies, it partners with another insurance company to offer equipment insurance.
Scuba diving is a great sport but cheap it is not!
With all the scuba diving insurance programs to choose from, which is the best for you? Well, it depends. I know you don't like that, but unfortunately it is the truth.
It all depends on what type of insurance you currently have, what it covers, what type of diving you do, how much equipment you own, etc., etc., etc.
But when you do go looking for scuba diving travel insurance you should consider the following major factors to help make your choice easier:
Of course, there are other factors to consider when purchasing scuba diving travel insurance, but if you consider the above factors you should be in good shape. And most of all - let's hope we never have to use it!
Want to stay down longer and improve your buoyancy control and other diving skills? Our free report "Increase Your Bottom Time" along with our practical, weekly actionable tips will have you looking like a seasoned diver in no time. So come join us and see improvement on your very next dive!
(Click on the photo to join us now!)
Jul 13, 21 02:01 PM
Now that the world is opening up again, hopefully we can start to travel to those dearly missed dive destinations. Here are some of my quick tips to save you money, get more room on the plane and more…
Jan 12, 21 06:05 AM
Scuba diving and cramps don't have to go hand in hand. Discover what causes leg and foot cramps while diving and tips on how to prevent this pain underwater.
Nov 18, 20 10:40 AM
Are you a beginner diver and/or looking to reduce your air consumption? I have a series of quick video series to help you with your air consumption and other dive skills. So don't do what I did. Use t…
Oct 28, 20 11:01 AM
Looking to buy an inexpensive scuba diving gift or stocking stuffer? Check out our picks for the best cheap (shh!) diver presents. Updated for 2020
Oct 26, 20 09:28 AM
Want to make that dive tank last longer? Here are some air scuba diving tips to help you save air and reduce consumption. Increase your bottom time now.