Travelers often purchase travel insurance and assistance services that offer some level of protection against unexpected costs arising from flight delays, trip cancellation, or damage to a rental car. However, very few travel protection 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 of these policies exclude coverage if you dive deeper than 100 feet (30m).
Travel protection typically includes coverage for:
- Trip cancellation due to illness, accident, job loss, or an act of terrorism
- Canceled or delayed flights
- Lost or delayed baggage
- 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 protection to DAN dive accident insurance only. If you use a different travel insurance provider, read your statement of benefits carefully.
*Compare coverage for complete coverage details; coverage and availability varies by state, province and plan.
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 vary by state or may not be available in all states.
In Canada, DAN World Dive Accident Insurance is underwritten by Zurich Insurance Company Ltd (Canadian Branch) 100 King Street West, Suite 5500, P.O. Box 290, Toronto, ON M5X 1C9 CANADA