Dive Insurance-An exclusion to be aware of

[micquinn]

That makes sense. If I get insurance in the future, I just need to reset my expectations as to the purpose.

 

[Lorenzoid]

I believe DiveAssure offers what they call a "liveaboard rider" that covers lost dives. I don't know what the exclusions are. Without the liveaboard rider or something similar, I wouldn't have expected insurance to cover ANY lost dives. I have always been under the impression that we divers take our chances with the weather preventing divers from doing as many dives as the itinerary advertised.

 

[tursiops]

It is helpful in these discussions to distinguish between dive accident insurance and dive travel insurance.
They are NOT the same.

 

[micquinn]

Yes that distinction is important. I was under the (wrong) impression that I had bought dive insurance when in fact I had bought travel insurance.

That's interesting about the liveaboard rider from DAN. I will have to check into that

 

[tursiops]

That's interesting about the liveaboard rider from DAN. I will have to check into that

The liveaboard rider mentioned above is from Dive Assure, not DAN.

The Liveaboard Rider

diveassure.com

 

[micquinn]

Yes. I was just on the Dive Assure site. Their liveaboard rider apparently cover weather related dive loss

Lost Diving Days Due To:​

• Medical inability to dive.
• Weather conditions not enabling diving/sailing.
• Diving accident involving another passenger on the boat, causing the boat to abort the planned diving.
• Expenses not reimbursed by the tour operator for default /mechanical breakdown to air supply.
• Financial Default of the liveaboard operating company, or tour operator (Covered already by the Elite Plan).

 

[Lorenzoid]

Yes. I was just on the Dive Assure site. Their liveaboard rider apparently cover weather related dive loss

Lost Diving Days Due To:​

• Medical inability to dive.
• Weather conditions not enabling diving/sailing.
• Diving accident involving another passenger on the boat, causing the boat to abort the planned diving.
• Expenses not reimbursed by the tour operator for default /mechanical breakdown to air supply.
• Financial Default of the liveaboard operating company, or tour operator (Covered already by the Elite Plan).

Right. The question I have pondered is whether DiveAssure's Liveaboard Rider is worth it. Dives being thwarted by one unforeseen circumstance or another over the years has cost me plenty of money and time. I figure I can't insure against every possible misfortune. Besides, no amount of money can adequately compensate me for the lost enjoyment of not getting to see some spectacular reef in Indonesia.

 

[micquinn]

Great point. Now that I'm a little more educated on the difference between dive insurance and travel insurance I can make a wiser decision in the future.