Dive Accident Insurance Limitations

[The Chairman]

The purpose of the cert is to verify your training. How is that useless?

It's a horrid commodity in an overly litigious society.

That's different.

Both are arbitrary. Both were enacted to keep things safe. Both have consequences. I can speed as long as I don't get caught. I can exceed my diving limits as long as I don't die.

We're drifted way off what John wanted to discuss, but I teach my students to know their limits and honor them. Sorry, John.

 

[jborg]

In addition to depth limitations or not, there may or may not be age limitations.
DAN-US has none.
I believe ALL other agencies cut you off at 65 or 70 or 75.

There is no mention of "age" or "years" anywhere in the documentation I received from DAN Europe. I haven't emailed them to ask, specifically, because I'm not yet at an age where I would expect it to matter, but anyway.

Incorrect, see below.

 

[Blackcrusader]

PADI states this as "training and experience". not or....and.

I stand corrected. And says SHOULD not must.

 

[Blackcrusader]

I know. I assume (always risky) that you are stille covered cause it was not part of your diveplan.

But if i read that wrong i would be happy to hear that. Cause that would make me less happy with my insurance.

Most vacation divers I meet do not even have dive insurance. They think their travel insurance covers everything.

 

[Blackcrusader]

I'll trust was a PADI USA instructor says over you. I was told by my PADI instructor that I could only do dives equal to or less than the ones I was certified in.

You PADI instructor was wrong and ignorant and does not know the difference with the
wrstc standards and post certification standards. You should ask your instructor why they do not know the actual standards then.

Standards Downloads - WRSTC

Dive Standards & Medical Statement from the WRSTC

wrstc.com

 

[tursiops]

There is no mention of "age" or "years" anywhere in the documentation I received from DAN Europe. I haven't emailed them to ask, specifically, because I'm not yet at an age where I would expect it to matter, but anyway.

There is no statement like this, under General Exclusions?

1. This insurance does not cover any:
a. Person: i. Aged 75 or over unless, 30 days before renewing or incepting the insurance policy, a medical report with “Fit-to-Dive” certification by a Diving Medical Specialist for the Diving Activities intended to be undertaken is submitted to the Insurer who, after consultation with their medical officers, may accept that the Insured is fit for Diving Activities.

 

[jborg]

There is no statement like this, under General Exclusions?

1. This insurance does not cover any:
a. Person: i. Aged 75 or over unless, 30 days before renewing or incepting the insurance policy, a medical report with “Fit-to-Dive” certification by a Diving Medical Specialist for the Diving Activities intended to be undertaken is submitted to the Insurer who, after consultation with their medical officers, may accept that the Insured is fit for Diving Activities.

There is indeed, my search failed me. I corrected my post.

 

[The Chairman]

You PADI instructor was wrong and ignorant and does not know the difference with the
wrstc standards and post certification standards.

Geez Louise, a bit harsh, n'est pas? Well, he was wrong on many things and ignorant about others, but I don't disagree with him on this. Know your limits and dive those limits.

You should ask your instructor why they do not know the actual standards then.

He's dead. So don't tell me to ask for my money back now.

 

[Blackcrusader]

Geez Louise, a bit harsh, n'est pas? Well, he was wrong on many things and ignorant about others, but I don't disagree with him on this. Know your limits and dive those limits.

He's dead. So don't tell me to ask for my money back now.

You can have your own policy when you lead certified divers. You can limit everyone to 40 feet max depth of you want. I know my limits and dive withing those limits. I guess that's why I am still alive lol

 

[Redtwo]

Most vacation divers I meet do not even have dive insurance. They think their travel insurance covers everything.

Ok, but am i reading my dive insurance correct you think or am i overly optimistic/naive?