Best Diving Insurance 2024: The Definitive List

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diveassure.com

diveassure

DiveAssure stands out as a reliable provider offering annual or short-term diving accident programs designed to meet the diverse needs of underwater enthusiasts. With a focus on providing primary coverage, DiveAssure ensures that policyholders don’t have to wait for other insurers to pay first, facilitating direct and real-time payments to hyperbaric chambers globally. This approach eliminates the need for substantial out-of-pocket expenses and ensures that settled claims do not impact health insurance premiums. For US residents, the coverage is valid worldwide, while Canadian residents enjoy both domestic and global coverage.

Eligible States/Countries: AK, AR, AS, CO, GU, LA, MD, ME, MN, MT, NV, NM, NY, NC, MP, OR, PA, PR, TT, UT, VT, VI, WA, CANADA

Gold Plan Pros:

  • Emergency Medical & Evacuation Expenses: $150,000 coverage.
  • Accidental Death and Disability: $10,000 protection.
  • Annual and short-term coverage options available.
  • Primary coverage with real-time payments to hyperbaric chambers.

Gold Plan Cons:

  • Limited coverage compared to Platinum Plan.
  • Lower benefits for accidental death and disability.

Platinum Plan Pros:

  • Enhanced Emergency Medical & Evacuation Expenses: $250,000 coverage.
  • Higher Accidental Death and Disability benefits: $25,000 protection.
  • Increased coverage for loss of personal diving equipment.
  • Repatriation of remains and extra expenses benefits are more substantial.

Platinum Plan Cons:

  • No short-term coverage option available.
  • Higher premium compared to the Gold Plan.

Eligible States: AL, AZ, CA, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, MA, MI, MO, MS, NE, NH, NJ, ND, OH, OK, RI, SC, SD, TN, TX, VA, WI, WV, WY

Gold Plan Pros:

  • Solid coverage with $250,000 for medical expenses per occurrence.
  • Affordable premium compared to Platinum and Diamond plans.
  • Adequate coverage for emergency medical transportation and repatriation.

Gold Plan Cons:

  • Lower benefits for accidental death and dismemberment.
  • Limited coverage for loss of diving equipment.

Platinum Plan Pros:

  • Enhanced medical expense coverage at $500,000 per occurrence.
  • Additional emergency medical transportation coverage at $250,000.
  • Higher benefits for accidental death and dismemberment.
  • Increased coverage for loss of diving equipment compared to Gold Plan.

Platinum Plan Cons:

  • No substantial increase in repatriation of remains compared to Gold Plan.
  • Premium is higher than Gold Plan but offers more benefits.

Diamond Plan Pros:

  • Highest medical expense coverage at $750,000 per occurrence.
  • Generous benefits for emergency medical transportation and repatriation.
  • Comprehensive coverage for loss of diving equipment.
  • Highest benefits for accidental death and dismemberment.

Diamond Plan Cons:

  • Highest premium among the three plans.
  • May be more coverage than some divers require.

aqua-med.eu

aqua-med

Embark on your diving expeditions with confidence, knowing that aqua med’s comprehensive insurance plans have you covered. From 24/7 medical emergency hotlines to coverage for overseas health, diving accidents, and personal liability, aqua med ensures a safety net for divers globally. Explore the key features and considerations of their insurance offerings below.

Dive card professional

Eligible Countries: Aqua med extends its insurance benefits to customers domiciled in the EU. Countries covered include Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

Pros:

  1. 24/7 Assistance Services: Access to a dedicated medical emergency hotline and professional emergency management ensures timely support.
  2. Extensive Coverage: Aqua med’s plans cover a range of scenarios, including medical expenses, emergency evacuations, hyperbaric treatments, and more.
  3. Global Coverage: Whether you’re diving at home or abroad, aqua med provides insurance coverage worldwide, offering peace of mind to divers on international adventures.
  4. Divers’ Personal Liability Insurance: The inclusion of liability insurance protects divers in case of personal or property damage during a dive.
  5. Flexibility: Aqua med offers different plans, catering to various needs, including overseas health insurance, diving accident insurance, and divers’ personal liability insurance.

Cons:

  1. Premium Costs: The exact cost of coverage depends on the chosen dive/travel card, and premiums may vary based on the plan’s features.
  2. Age-Related Reduction: For diving accident insurance, insured sums automatically reduce by 50 percent once the insured person reaches the age of 70.
  3. Exclusions: Some incidents, such as accidents resulting from mental disorders or violations of internationally accepted diving rules, may not be covered.

Dive card basic, Dive card family

Eligible Countries: Aqua med extends its insurance benefits to customers domiciled in the EU. Countries covered include Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

Pros:

  1. Global Coverage: Aqua med provides insurance cover worldwide, ensuring divers are protected whether they’re exploring their local waters or venturing into international dive destinations.
  2. 365-Day Protection: With coverage extending throughout the year, aqua med’s plans offer continuous protection for diving accidents, divers’ personal liability, and overseas health insurance.
  3. Divers’ Personal Liability Insurance: Inclusion of personal liability insurance up to €150,000, providing financial protection in case of personal or property damage during a dive.
  4. Transparent Fees: The fee structure is transparent, offering clarity on the costs associated with the chosen dive/travel card.
  5. Student Protect: For student divers, aqua med offers additional coverage, including hyperbaric chamber treatment and emergency transport.

Cons:

  1. Age-Related Reduction: Once an insured person reaches the age of 70, the insured sums for diving accident insurance automatically reduce by 50 percent.
  2. Exclusions: Certain incidents, such as accidents resulting from mental disorders or violations of internationally accepted diving rules, may not be covered.

diveassist.org

diveassist

ScubaMedic Classic Annual, offered through DiveAssist.org, presents a robust international diving accident insurance membership with comprehensive coverage for in-water diving-related accidents and injuries. Here’s a breakdown of the plan’s features:

Eligibility: ScubaMedic Classic Annual is open to individuals worldwide, excluding those domiciled in the USA, Canada, their territories, or possessions. Divers seeking comprehensive international coverage can rely on ScubaMedic Classic Annual for their underwater adventures.

Pros:

  1. Global Coverage: ScubaMedic Classic Annual provides worldwide coverage for diving accidents, ensuring divers are protected during their underwater explorations across various international destinations.
  2. High Monetary Benefits: With impressive monetary benefits, including EUR 100,000 for medical expenses and hyperbaric treatment costs, the plan offers substantial coverage for potential incidents.
  3. Emergency Repatriation: The option for emergency repatriation, with a coverage limit of EUR 75,000, adds an extra layer of safety for divers facing critical situations abroad.
  4. Civil Liability Coverage: The plan includes civil liability coverage, providing financial protection against awards and legal costs, up to EUR 50,000.
  5. Reasonable Transportation and Accommodation: Offering EUR 5,000 for transportation costs and accommodation expenses, the plan supports divers in managing unforeseen logistical challenges.

Cons:

  1. Maximum Aggregate Limit: While the plan provides generous individual limits for each section, the overall recoverable amount under the policy does not exceed EUR 150,000 in aggregate. Divers should be mindful of this limit.
  2. Exclusion for USA and Canada: Coverage is not available in the USA, Canada, their territories, or possessions. Individuals domiciled in these territories are not eligible for ScubaMedic Classic Annual.

dan.org

dan

Are you gearing up for your next dive adventure? DAN (Divers Alert Network) is ready to provide you with comprehensive dive accident insurance coverage. Before embarking on your underwater journey, it’s essential to understand the benefits and considerations associated with DAN’s plans.

Eligible Countries: US, Canada.

Plans

Guardian, Preferred, Master

Pros:

  1. Global Coverage: DAN’s dive accident insurance offers both local and international coverage, ensuring protection wherever your diving adventures take you.
  2. Generous Medical Expense Coverage: DAN’s plans provide financial peace of mind by paying 100% of eligible accident medical expenses, with coverage reaching up to US$500,000.
  3. Coverage for Non-Diving Accidents: Guardian and Preferred plans include coverage for non-diving accidents, offering Accident Medical Expenses outside your home country and additional benefits for Named Water Sport Accidents during trips at least 50 miles/80 km from your home.
  4. Inclusive for Divers Age 70 and Older: DAN provides multiple dive accident insurance plans for divers aged 70 and older, with pricing and availability varying by state.
  5. Eligible for Canadian Residents: Canadian residents (except for Quebec) can complement their DAN membership with dive accident insurance. DAN offers specific plans tailored to the needs of Canadian divers.

Cons:

  1. Membership Requirement: DAN Membership is a prerequisite for purchasing dive accident insurance. It cannot be acquired independently.
  2. Exclusion of Commercial Diving: DAN’s coverage is tailored for recreational divers, excluding commercial diving activities.
  3. Refund Policy: While full refunds are available within 10 days of purchase (if benefits haven’t been collected), requests for full or partial refunds beyond this period are subject to evaluation based on individual circumstances.

Understanding the details of DAN’s dive accident insurance plans is crucial for making an informed decision. For additional information, contact DAN’s member services team at +1 (919) 684-2948 or Member@DAN.org. Ensure a secure and worry-free diving experience with DAN’s reliable coverage.

daneurope.org

daneurope

Whether you’re a recreational scuba diver, a professional instructor, or a commercial diver engaged in industrial projects, DAN Europe has you covered. Here’s a roundup of their insurance plans, along with pros and cons:

Sport Plans:

  • Coverage: Dive accidents worldwide, including non-diving accidents abroad.
  • Pros:
    • Suitable for scuba divers, technical divers (incl. rebreather), and free divers.
    • Comprehensive coverage for dive accidents and non-diving incidents.

Pro Plans:

  • Coverage: Dive accidents worldwide with professional liability for instructors, assistant instructors, and dive guides.
  • Pros:
    • Inclusive professional liability coverage.
    • Extensive protection for both diving and non-diving accidents abroad.

Dive Centre Plans:

  • Coverage: General liability and legal defense for dive centers, schools, or associations.
  • Pros:
    • Tailored for dive businesses, providing essential insurance protection.
    • Legal defense included for added security.

Student Plans:

  • Coverage: Dive accident insurance for students, activated with a Pro or Dive Centre plan.
  • Pros:
    • Protection for students in case of dive accidents.
    • Flexibility to register students via MyDAN.

Commercial Diving Plans:

  • Coverage: Medical assistance and accident insurance for commercial divers, including offshore and inshore diving.
  • Pros:
    • Specialized coverage for commercial diving activities.
    • Broad protection for various industrial and construction projects.

Dive Local Plan:

  • Coverage: Local dive accident insurance within the country of residence.
  • Pros:
    • Convenient coverage for diving within your home country.
    • Suitable for tech diving, available in select countries.

Pros (Common to All Plans):

  • 24/7 Multilingual Diving Emergency Hotline: Dedicated hotline managed by DAN’s medical network.
  • Limitless Payment of Emergency Medical Transportation: Quick and effective assistance in emergency situations.
  • Payment of Emergency Medical Treatment, Hyperbaric Therapy, and Hospitalization: Essential coverage for costly dive-related treatments.
  • Travel Accident Insurance: Specific covers for non-diving emergencies abroad.
  • Professional Third-Party Liability Insurance: Comprehensive cover for diving professionals.

Cons:

  • Limited Availability of Dive Local Plan: Currently available only in Belgium, France, Germany, Italy, Netherlands, Russia, and the United Kingdom.
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