Dive Accident Insurance Versus Travel Insurance: Do You Need Both?

Travelers often purchase travel insurance that has some level of protection against unexpected costs arising from flight delays, trip cancellation or damage to a rental car. However, very few travel insurance plans cover scuba diving incidents. Some allow you to purchase coverage for an extra charge, but be sure to read the fine print carefully. The policy may require you to dive with a divemaster or hold a scuba certification from a particular agency. Most policies exclude coverage if you make dives deeper than 100 feet (30m).

Travel insurance includes coverage for:**

  • Trip cancellation due to illness, accident, job loss or an act of terrorism
  • Cancelled or delayed flights
  • Lost or delayed baggage
  • Medical coverage for an Illness or (non-diving) accident that occurs when traveling
  • ID theft

DAN Dive Accident Insurance*

DAN dive accident insurance is designed specifically for divers. Chamber treatments are not typically covered by medical or travel insurance, so DAN dive accident insurance provides secondary accident medical coverage of up to US$500,000 and pays 100% of eligible expenses.

Dive accidents can be catastrophic for the diver and their bank account. Some countries require large upfront cash payments, and there may be weeks of follow-up care once the diver returns home. Neither of these expenses are typically covered by traditional medical or travel insurance.

DAN dive accident insurance plans include coverage for:

  • Ambulance transportation by ground, air or sea to the nearest hospital or hyperbaric chamber
  • Hospital charges
  • Hyperbaric chamber treatments
  • Permanent and total disability resulting from a covered diving accident
  • Extra transportation or accommodation costs if the diver is unable to use their original return ticket or requires an extended stay due to their covered diving accident
  • Loss of diving equipment if the diver’s gear is damaged or lost as a result of a covered diving accident.

The list above compares DAN travel insurance to DAN dive accident insurance only. If you use a different travel insurance provider, read your statement of benefits carefully.

For residents of NY, insurance is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciled in the state of New York, with its principal place of business of 28 Liberty Street, Floor 45th, New York, NY 10005-1400. It is currently authorized to transact business in all states, plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions and limitations. Coverage may vary by state.  AG 12070

For residents of all other U.S. states and the District of Columbia insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its principal place of business at 1271 Ave of the Americas FL 37, New York, NY 10020-1304. It is currently authorized to conduct insurance business in all states and the District of Columbia. NAIC No. 19445. This summary provides only brief descriptions of the coverages available. The issued policy and certificate will contain reductions, limitations, exclusions, definitions and termination provisions. Full details of the coverage will be contained in the issued policy and certificate. If there are any conflicts between this summary and the issued policy and certificate, the policy and certificate shall govern in all cases. Coverage may or may not be available in all states.

In Canada, DAN Dive Accident Insurance is underwritten by AIG Insurance Company of Canada, Group Policy No. SRG 9134763.

**Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as Generali Global Assistance & Insurance Services. Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker. This notice provides general information on Generali’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern.

Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.