BDSC
Contributor
Well worth it for the peace of mind. Since you go on many trips a year, it works out to a good deal.
Exactly. My first trip isn't until April of this year but between now and then I'll purchase it.
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Well worth it for the peace of mind. Since you go on many trips a year, it works out to a good deal.
I have written very detailed posts about Dive Assure vs DAN. You want Dive Assure with liveaboard rider if you’re doing a liveaboard or just the regular plan if not. Dive Assure covers missed dives due to medical inability to dive...a head cold would count. In general, it is more encompassing and inclusive coverage than DAN’s for the same price or less. I’ve compared many times.
Please do a search on my posts on this matter. Here is the fine print for the benefit with Dive Assure.
If a head cold, you’ll likely need to see a doc to confirm this and have them give you official medical evidence.
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In all cases any claim for lost diving whether it be for mechanical, weather, medical or any other condition that restricts You from participating in the activity of diving is strictly limited to the following conditions and must be fully documented to support the reason(s) for curtailment of 10.1. Deluxe Passport: 10.1.1. Medical inability to dive as certified by medical evidence and has been diagnosed after departure from origin or during the period of a covered trip in the case of an annual policy. $100/diving day; $500 in all. 10.1.2. Diving days lost as a result of weather conditions as supported by marine and weather forecast (required) not enabling diving/sailing per captain's discretion (Excluding limited visibility conditions). Coverage: 50% of Dive Boat trip cost divided by number of diving days with a maximum of $150/diving day and total of $450. 10.2. Elite Passport: 10.2.1. Due to medical inability to dive - up to $250/diving day max. $1,000. 10.2.2. Diving days lost as a result of weather conditions as supported by marine and weather forecast (required) not enabling diving/sailing per captain's discretion (Excluding limited visibility conditions). Coverage: 50% of Dive Boat trip cost divided by number of diving days with a maximum of $200/diving day and total of $1,000 10.3. Exclusions: Any If within the previous 8 hours the use of alcohol and/or any type of illicit, non-prescribed drugs will invalidate any and all claims under this section.
Practically speaking, if I get a cold on the first day of a liveaboard and miss all dive days, since there’s no doctor on board, how would I prove I was sick? Wait till I get home, see a local doctor and get a note?
With respect to diving lost due to weather, I suppose the captain of the liveaboard could provide me with forecasts to support his decision not to dive?
These insurance policies sound good on paper but sometimes not easy to make a claim.
Just pondering whether I should spend another $300 on the DiveAssure plan with liveaboard rider. Already bought DAN accident insurance. Already have emergency travel insurance from work and credit card. Already got a free Dive Assure plan from Diviac.com with no liveaboard rider. It would be overkill to buy the plan with liveaboard rider on top of everything I already have. They won’t let me add liveaboard rider to the plan I got for free from Diviac.com. I guess I have to live with that and cross my fingers I don’t get a cold.
I have experience with both issues:I would be interested in hearing about your actual experiences with insurance reimbursements for planned dives that were lost on a trip other than a liveaboard, or the insurance company's interpretation of "trip interruption."
On reading the rest of the thread @outofoffice has provided information that the Dive Assure LOB rider is special - it actually provides a formula for establishing the cost of missed dives.I have experience with both issues:
1) My insurance company is very clear that they need receipts that detail the amount of money you spent on any claimed item. Missed a dive on a LOB? Then I need to produce a receipt for the cost of THAT dive. Oops, a LOB is an All Inclusive. How much does a dive cost? In order to make a claim you need a receipt from the LOB operator for the cost of a dive.
The issue is that the insurance company needs a third party (not you!) to establish the free market price of the service that was not provided to you.
2) My insurance company covers all trip interruptions for any reason. BUT: once again they will only pay (up to their daily limits for interruptions) based upon my submitted receipts. Note that trip interruption insurance is not about paying you for things you missed - it is about paying for things that allow you to continue your trip (or get home).
A simple example is you are on a cruise ship and slip and fall and smack your melon. You get sent to the local island hospital and the cruise ship leaves without you. My trip interruption insurance will fly me to the next island the next day to catch up with the cruise ship. They will not pay for my missed supper, but will pay for any meal that I can provide a receipt for (up to their daily limits).