vladimir
The Voice of Reason
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Yes, if the risk of catching a flu—from whomever—is too much for you to assume, buy travel insurance.If only DAN offered insurance with coverage for such a thing. #sarcasism
Good insurance will cover a cancelled trip, but I doubt it would cover missed dives. If you catch the flu on board, you're probably out of luck (and out of pocket), with or without insurance.
Most liveaboards that I have been on strongly encourage you to buy travel insurance. Here's what Aggressor says:
INSURANCE
We strongly recommend each guest purchase comprehensive accident, medical, baggage and trip cancellation and interruption insurance when space is reserved. Trip insurance will protect you from financial disappointment if you are prevented from making your scheduled trip due to illness, family illness or in the event that unforeseen circumstances prevent the airline or yacht from making its scheduled trip. In the event you cancel your trip, be familiar with Aggressor Fleet and Dancer Fleet’s cancellation policies, which can be found on the websites. More information can be found on Diveassure or Divers Alert Network insurance on our websites.