Travel & Dive Insurance
Plan for the unexpected—on the trip and underwater
Travel protection and dive accident coverage are two different needs for dive travelers. The right policy can help protect your trip investment and reduce out-of-pocket costs if something goes wrong—from delays and lost baggage to a diving-related medical emergency.
This page summarizes travel and dive insurance considerations, including options from Divers Alert Network (DAN) and DiveAssure.
DAN Dive Travel Insurance (Travel Protection)
DAN Travel protection provides coverage in the event of unforeseen situations that adversely affect your travel plans. Here are five ways DAN travel insurance can help keep you moving if things go off course:
- Delays are common
Travel delays happen and can lead to additional costs or interruptions in your trip. Travel protection coverage can help defray expenses.
- Weather is unpredictable
Weather is one of the most common reasons for a delay, cancellation or interruption of travel. Be prepared for unexpected weather events.
- Emergencies can happen
The medical coverage and emergency assistance available through DAN’s travel protection may help reduce the stress of dealing with a medical incident.
- Baggage gets lost
Protect your valuable belongings from loss, theft or damage while you travel. Get coverage for your dive gear, cameras and other personal items.
- Cancellation is costly
Trip cancellation helps recover nonrefundable expenses in the event you can’t make your trip due to an unforeseen event involving you, a family member or a traveling companion.
DiveAssure Diving Travel Insurance (Trip Protection for Dive Travel)
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 you need to make sure 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 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 your travel insurance should cover
- Medical coverage
- Trip cancellations, interruptions and delays
- Baggage coverage
- 24/7 emergency hotline
DAN Specialized Accident Insurance Coverage for Divers
DAN dive accident insurance* is an affordable way for divers to obtain insurance against the costs of dive injuries that are often left uncovered by typical health insurance.
- Covers diving, nondiving and named water sports accidents & injuries
- Pays 100% of eligible accident medical expenses up to US$500,000
- Plans recognized worldwide
Join DAN first, then add your insurance. Annual coverage starts at US$40/year. Also available for divers age 70 and over in the U.S. and Canada.
DiveAssure Diving Accident Insurance (Coverage When Diving Abroad)
Looking for diving accident coverage when diving abroad? DiveAssure’s annual or short-term diving accident programs offer the coverage you need.
Choose between two levels of diving accident programs to cover your diving activities outside the United States. Programs include coverage for medical expenses, emergency medical evacuations, hyperbaric treatments, and much more:
- Gold – Basic diving accident protection
- Platinum – Enhanced diving accident protection; higher limits and wider coverage
Primary coverage (how DiveAssure programs work)
DiveAssure programs are PRIMARY. A primary policy means that the insured doesn’t have to wait for any other insurance company to pay first. It allows DiveAssure to pay directly and in real time to hyperbaric chambers around the world because they do not have to wait for another insurance company to get involved. This helps you not pay a large amount out of pocket.
Additionally, a claim that DiveAssure settles will not have any effect on the premium you pay for your health insurance.