3 Best dive insurance company Tested and Trusted (2023 update)

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Although diving accidents are uncommon, you need dive insurance in case one occurs to cover costs and recovery time. Scuba diving mishaps are not covered by most health insurance policies, thus it’s critical to have supplemental insurance. Below, we’ve analyzed the e top three global alternatives to help you choose the best policy.

Best Dive Insurance Company

Dive Assure is our top choice for vacationers and frequent dives. Divers Alert Network (DAN) is the top insurance company for anyone looking for a less expensive choice with less trip coverage. Finally, WorldNomads provides excellent coverage for tourists who like to include scuba diving in their trip plans on occasion.

Dive Assure

Divers may choose from both short- and long-term plans with Dive Assure, all of which provide excellent coverage. They differentiate themselves from others by using direct payments and additional inclusions for missed diving days. For divers who often travel for diving, they are an excellent choice because of their added travel coverage.

Due to their competitively priced, industry-leading comprehensive coverage, DiveAssure has become more and more well-liked among divers. They collaborate with the Duke Center for Hyperbaric Medicine and offer first-rate medical assistance. The insurance provider of choice for SSI dive shops and students is DiveAssure.

Read Also: 20 Best scuba diving destinations around the world

Coverage for missed dive days due to weather is one perk that only DiveAssure provides. This is a huge benefit for divers with little time to dive because the weather at sea is uncertain 3.

You will get money directly from service providers when you submit a claim. By doing this, you avoid having to pay for it now and then wait for their reimbursement. This service, which might help you receive the assistance you need without worrying about money, is something that many other insurance companies don’t offer.

Dive Assure

Lowest-cost scheme

$129 per year or $79 per month

Covered depths: Any

Number of the plans

3 with yearly and short-term options

Cancellation

Yes, in terms of travel arrangements.

Equipment protection

Yes,

Lowest medical coverage plan

Infinite

Expertise in diving

Yes,

Benefits

Unlimited emergency medical costs for diving

Includes ice, cave, mixed gas, technical, and rebreather diving.

Without a depth restriction

There is support with travel.

24-hour helpline for medical emergencies

From €2000 to €5000 for missing or damaged dive gear

Weather-related cancellations and missed diving days owing to medical issues

Payment in full for medical costs

Negative

Payment for non-diving medical expenses is lower

Not covered with other adventure sports or pursuits

DiveAssure plans

Three plans are available: DiveSafe, Dive&Travel, and Dive&Travel Plus. Divers can pick between both long- and short-term plans for each. Every policy offers traveler translation services and round-the-clock emergency medical help. For dive emergency medical expenses, they also provide unlimited coverage under the DiveSafe and Dive&Travel Plus insurance.

If you stay closer to home, your DiveSafe yearly plans will cover all local dives. DiveSafe policies also provide unrestricted access to hyperbaric chamber treatments and unrestricted medical costs during at-home recovery 4.

Read Also: 18 best Tips to become a confident Professional scuba diver

All of the DiveSafe features are included in the two travel packages, along with coverage for flights, luggage, and trip cancellation. They do cover situations unrelated to diving, but the coverage is far less than that of the majority of travel insurance providers. But, the extensive dive coverage surpasses this 5 if diving is your primary motivation for visiting.

Final words

You will be protected both domestically and overseas with Dive Assure’s superior scuba diving insurance coverage. Travel insurance provides more benefits than travel benefits, but for those who travel just for diving.

Divers Alert Network (DAN)

Safety is the top priority for DAN, a reputable and trustworthy insurance provider. They are less expensive and offer full coverage for all kinds of diving. Their insurance plans are ideal for divers looking for simple, yearly coverage along with little assistance when traveling.

Dive insurance
Best Dive Insurance Company full review 2023

One of the most well-known and well-liked diving insurance companies worldwide is DAN. They have been in business for more than 40 years and provide diverse excellent medical advice and support. They are PADI’s preferred insurance provider and frequently carry out their study on diving.

Being a DAN member is a prerequisite for acquiring a DAN insurance coverage. The annual membership fee is $35, and members receive extra benefits even in the absence of an insurance plan. This includes a 24-hour emergency hotline called TravelAssist and access to medical professionals for non-emergency questions 6.

Travel Assist resembles a standard travel insurance plan. You are provided with medical emergency coverage for both diving-related and non-diving-related crises. You are not covered for non-emergencies, missed or canceled trips, or lost luggage from incidents unrelated to diving. Only when you are fifty miles away from your home address do these benefits start to apply.

IMMEDIATE DIVE PROTECTION

Cheapest plan

$42 + $35 each year for membership

Covered depths

Any kind of

Number of plans

3, in addition to professional dive planning

Cancellation

Yes, (due to health issues)

Equipment protection.

Yes.

Cheapest plan’s health coverage

A lifetime of $125,000

Unique diving

Yes.

Benefits

Covers scuba diving, professional diving, snorkeling, and free diving (Apnea).

Without a depth restriction

DAN’s Ask a Medic is accessible

Activation of DAN TravelAssist 24-hour service up to $150,000 automatically

From $1000 to $5000 for missing or damaged diving gear

Cheap premiums

Negative

No coverage for a single trip

Uncovered diving days are not covered

Dan’s Plans

The three tiers of insurance coverage that you may add to your membership are Master, Preferred, and Guardian. One of the most affordable insurance prices in the market is the Master plan.

There are no depth or gas limitations with this plan; it just covers equipment damage and diving mishaps.

With greater payment rates, the Preferred plan provides the same coverage as the Master. Coverage for non-dive incidents when visiting other countries is also included. Search and rescue 8 as well as extra coverage for other listed water sport incidents are provided by the highest level plan, the Guardian. This plan is intended for more experienced divers who could be participating in hazardous dives and other aquatic sports.

Read Also: How to overcome scuba diving fears and anxiety

DAN policies are limited to one year of coverage. For devoted scuba divers who travel particularly for diving and want the assurance that they are always protected, this is beneficial. Individuals who are seldom scuba divers could think that this is superfluous and would rather have short-term insurance.

Final words

DAN has a long history of working with divers and offers extensive dive coverage. If you have a different travel insurance plan or just want emergency medical care, basic travel coverage is a smart option.

Travel insurance and diving: Global Nomads

High-quality travel insurance and optional coverage for more than 200 adventure sports are provided by World Nomads. For tourists and recreational divers staying above 130 feet (40 meters), their diving coverage is excellent. Your trip will be fully covered by their plans.

Travel insurance is the main focus of World Nomads insurance. Due to its competitive pricing and excellent coverage, it is one of the top insurance providers for travelers on short-term trips and backcountry trekkers.

Dive insurance
Diving Insurance Company 2023

Travel insurance ensures additional coverage for the duration of your diving excursion, in contrast to insurance specifically targeted at divers. For those who want to travel and enjoy activities other than scuba diving, this is fantastic. These advantages include the ability to cancel as well as postpone or interrupt trips. Included in the coverage are diving equipment and lost, stolen, damaged, or delayed luggage.

Furthermore, World Nomads offers the ability to purchase travel insurance after your journey has already begun. This distinguishes them from other providers of travel insurance and provides you with greater freedom regarding the start and finish dates of your trip 9.

TRAVEL AND DIVE INSURANCE NOMADS WORLDWIDE

Lowest-cost scheme, $150

The depths reached a maximum of 50 meters

Number of the plans

Only scuba diving is covered by the Explorer Plan.

Cancellation

Yes,

Equipment protection

Yes,

Lowest medical coverage plan

$100 000

Expertise in diving

Cave.

Benefits

Emergency room costs of up to $100,000

Lost or broken equipment and luggage $3,500 to $2,500

Interrupted trip

Trip snarl

Includes information about caves, shark cages, and freediving.

Round-the-clock emergency support

Negatives:

Maximum depth of fifty meters

Specialty diving is limited to Explorer Plan coverage.

Not applicable to mixed gas

World Nomads Insurance Plans

The Standard and Explorer plans are the two available options. Lessons and recreational scuba diving are included in the Standard package. Specialty scuba, free diving, and commercial diving are included under the Explorer plan. All of the other 200+ adventure sports that World Nomads provides are also covered by this insurance.

Read Also: 10 Important Things to Know Before Scuba Diving in Galapagos

Even if the diving coverage isn’t as extensive as that of DAN or DiveAssure, it’s still more than enough for recreational divers. Certain commercial and specialized diving is also covered. Scuba divers are covered for every dive within the parameters of their certification as well as while enrolled in a course led by a dive instructor. You are not protected in an accident if you dive deeper than 50 meters or outside your comfort zone.

Final words

For recreational divers, World Nomads offers the ideal combination of travel and dive insurance. If you want coverage for your flights and trip expenses and your trips will involve a wide range of adventure activities, this is the best option.

How do we select the best insurance company?

Dive depth

The depth of your dive will be restricted more by travel insurance than by dive insurance. They will mostly concentrate on individuals who dive for fun while on vacation and are more cautious. For many divers who hold Open Water or Advanced certifications, as well as for novice dives, this is ideal. It is unlikely that you will dive down to a depth of more than 130 feet (40 meters) or that you will have to worry about diving without an instructor to help you.

Dive-specific insurance that protects you for the depths you expect to travel is essential for more experienced and frequent scuba divers. For tech divers who want to descend below 164 feet (50 meters), this is an important consideration.

If you’re ready to further your diving career and advance your diving skills, read our tutorial on becoming a dive instructor here.

Gas Type

Specialized dives needing certain gas types are usually not covered by travel insurance, much like dive depth. This is not a concern for recreational divers because the dive shop will supply the regular air mixture. If you dive Nitrox, Tec, or Rebreather, you need to have scuba dive insurance to cover all of your dives.

Location

Ascertain that the destinations you plan to visit are covered by both the diving and travel insurance. Other organizations offer coverage all across the world, while some only operate in a few countries. Before planning a diving holiday overseas, confirm that the destination is covered by your insurance.

There are so many factors to consider when planning a diving vacation that it might be intimidating. See our comprehensive diving trip planning advice here.

Dive Equipment

Different degrees of equipment coverage for loss or damage are provided by dive insurance. This insurance could only cover damage sustained during the dive and not when you’re traveling to the dive site.

On the other hand, travel insurance will protect you against damage and loss of luggage while you are on the road, but not underwater. You should get both diving and travel insurance for this reason and complete health coverage.

Frequently Asked Questions FAQs

Is diving insurance required?

When unplanned diving mishaps occur, costly medical treatments are frequently needed. Treatment ranges from $100 to $1000 per treatment for decompression sickness, the most frequent diving ailment. Patients often require 10 to 60 treatments, depending on how serious their disease is 1. When traveling abroad, diving accident insurance helps with medical aid and covers these expenses.

Dive insurance is mandatory even if you are diving in your country of origin. You are often responsible for paying out of pocket for dive-related incidents as regular insurance does not cover them. It is crucial to confirm what is and is not covered by your current policy.

Do diving classes require dive insurance?

Some dive shops provide short-term student coverage for novice divers enrolled in courses. Although it costs more, this is approved insurance for the area you are in and takes minimal work. While SSI businesses use DiveAssure, many PADI-certified shops provide DAN coverage. You will have to get your insurance if you intend to do more dives once your training is over.

Is standard travel insurance sufficient?

Riskier activities are usually not covered by travel insurance. One of these activities is frequently considered to be scuba diving, for which additional insurance is required. At times, you may add this as a flat fee to your insurance policy; at other times, it will result in a considerable rise in your premium.

You won’t be covered for any scuba diving-related injuries if you don’t get additional dive accident insurance. If you decide to provide diving coverage, make sure the coverage includes gas, dive kinds, and dive depths.

What does dive insurance cover?

You are covered for dives both domestically and internationally with dive insurance. Your insurance pays for all medical costs, including hyperbaric treatments, in the event of an accident. Repatriation and emergency transportation are also covered. The total amount that various businesses and plans will pay for these costs may vary.

Additionally, diving insurance will cover any lost or damaged equipment. You should obtain coverage that will pay for damage while carrying pricey equipment on your travels, such as dive computers and BCDs.

In summary

Keep in mind that the majority of dive insurance policies only provide coverage for mishaps that happen during your dive. When you step into the water and come out of it, the scuba dive is over. Unless otherwise specified, you are not covered for any mishaps that happen before, during, or after your dive on land or in a boat.

For this reason, you should also get travel insurance if you’re going overseas. 2. A few businesses provide both travel and scuba insurance.

Scuba diving requires dive insurance, which provides extra assistance and security both domestically and overseas. Take into account all of your planned activities when selecting an insurance policy, and determine whether you require additional coverage for adventurous activities such as diving or touring.

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