Dive Accident Insurance Limitations

[boulderjohn]

It seems clear enough to me from that response that "certification limits" is interpreted by DiveAssure Worldwide (can't speak to any other regions - my question was specifically related to the division that covers my place of residence as defined by DiveAssure) as referring to my PADI AOW certification that I have received training and have demonstrated the skills necessary to dive to a depth of 30 metres / 100 feet. I intepret their response as stating that diving below that depth is not covered.

That's how I would understand it as well. Reading that, I cannot understand why anyone would choose DiveAssure.

 

[tursiops]

That's how I would understand it as well. Reading that, I cannot understand why anyone would choose DiveAssure.

In addition, DiveAssure covers you outside your country of residence, not inside.

 

[Blackcrusader]

New diver here, currently uninsured, reminded by this thread to get back to my insurance shopping. Reviewing the FAQ on the website for DiveAssure Worldwide, I found this question and its answer:


(The italics are mine)

I noticed it says "qualification", not "certification". So in the light of the many comments in this thread I contacted DiveAssure Worldwide through their website with this question:



The response, received by email early this morning:



It seems clear enough to me from that response that "certification limits" is interpreted by DiveAssure Worldwide (can't speak to any other regions - my question was specifically related to the division that covers my place of residence as defined by DiveAssure) as referring to my PADI AOW certification that I have received training and have demonstrated the skills necessary to dive to a depth of 30 metres / 100 feet. I intepret their response as stating that diving below that depth is not covered.

I emailed dive assure and asked them what the certification limit for PADI OW was. They could not tell me if it was the restricted depth of a training dive pre certiification or post certification where PADI OW is certified to the 40m recreational depth limit which was what PADI certified me to in 1986.

So if not sure get DAN insurance as it covers OW to 40m on a basic level and to deeper depths on higher level packages. Dive Assure wrote claiming they have no depth limitations then come along with your cert level.

 

[Blackcrusader]

In addition, DiveAssure covers you outside your country of residence, not inside.

When I asked DAN about my coverage for Taiwan the reply was that I had to be diving 80km away from where I lived.

 

[tursiops]

@therookie Could you please boil down all your rambling posts to a succinct summary? Thanks.

 

[tursiops]

Yes. Sorry...

As a resident of Honduras:

• DAN World Plan: No explicit depth limit – it would cover a dive exceeding the 30m depth limit implied by my PADI AOW certification, even if planned.
• DiveAssist: In all claims for a depth beyond the 30m PADI AOW limit will consider both my PADI AOW certification and my logged dive experience before coming to a decision.
• DiveAssure (DiveSafe): Although it claims no depth limit, it won’t cover a planned dive beyond my 30m PADI AOW limit; an accidental breach might be covered after a case‑by‑case review.

Excellent. Thank you.

What about geographical applicability...like near your home, out of your country, etc.?
What about accidents on the boat, like slipping and falling? The DAN US policies (except the most expensive) require you to be in the water...not getting to the water.

 

[jborg]

What about accidents on the boat, like slipping and falling? The DAN US policies (except the most expensive) require you to be in the water...not getting to the water.

The EU side DAN policy is a bit more generous then, saying a "diving activity" is from when don your kit to when you doff it,

but then also that as regards the coverage of injuries related to diving,

So I guess you're covered if you slip and fall when getting off the boat, but maybe not if you slip some other time while the boat is just under way...

 

[russ805]

Thanks.. This is one of the threads discussing this.

Post in thread 'Diving beyond cert?'

Jul 15, 2024

Exactly how many dives (beyond OW training dives) have you completed in the two months since your OW certification? (Exactly how many is "a few dives"?)

rx7diver

• rx7diver

• 

I was diving in Cebu in February and a woman on the boat claimed to work as a technical staff at a chamber in Europe. She also repeated the claim insurance companies would not pay out of you dived beyond 18m as PADI OW and 30m as PADI AOW. She told some vacation divers the chamber would forward their dive computer logs to the insurance company. Thing is these vacation divers held up thir arms to show they had no DCs lol

I then showed her the email I got from DAN that what she said was untrue. She tried to argue with me that the DAN staff were wrong lol. She would not admit she was wrong.

A know it all on a boat refused to admit that she was wrong...shocker

 

[Bob DBF]

Here is an explanation of the PADI 130 foot limit.

It is not a legally enforceable limit. It is different from the other limits because it is the end of the line for NDL diving. If using the PADI tables, that is where the tables end, except for contingency.

The end of the line for NDL diving is 190' on the USN Tables, since agency tables no longer go past 140' as you said. At the time, everyone used the Navy tables, including the agencies.

I have yet to find out when the 130' depth limit actually started in the agencies. The why is easier, the US Navy determined that 130' should be the cutoff between SCUBA and surface supplied gas, except for emergencies, because the time at depth was not sufficient for useful work. I believe this was moved into recreational SCUBA as part of best practices.

 

[tursiops]

The end of the line for NDL diving is 190' on the USN Tables, since agency tables no longer go past 140' as you said. At the time, everyone used the Navy tables, including the agencies.

I have yet to find out when the 130' depth limit actually started in the agencies. The why is easier, the US Navy determined that 130' should be the cutoff between SCUBA and surface supplied gas, except for emergencies, because the time at depth was not sufficient for useful work. I believe this was moved into recreational SCUBA as part of best practices.

According to Owen Lee, in his book :Complete Illustrated Guide to Snorkel and Deep Diving," 1963 (foreword by J-Y Cousteau) and predating most of he agencies, 139 feet was already established as a practical max depth for no-decompression diving, because:

• that's about all you could do with a 72cuft tank (the standard at the tome)
• not much to see deeper than that
• limited bottom times

And, this even assumed just one dive per day.