Travel Insurance for 59 year old mostly to cover Scuba Diving.?
I am going on a 3 month trip to South East Asia in September,with the intention of mostly Scuba Diving–particularly Indonesia.The few quotes I can get (age) are expensive,and often have huge restrictions on diving depths,etc. Anyone got any ideas? Have travelled extensively but usually without insurance–must be getting responsible in my old age!!
Most "regular" insurance considers scuba diving an extreme sport. Couple that with your age and you will get some outrageous quotes.
First, if you currently have health insurance, determine how it works outside of the US. Some policies are better than others. Either way you need to know what your current policy covers.
Second, look into regular travel insurance. This is great for lost luggage, missed flights, hotel overbooking, and stuff like that.
Third, look into scuba diving insurance. I highly recommend DAN (Divers Alert Network). It is a secondary insurance meaning it kicks in after your primary health care is used. Since most health insurance won’t cover scuba diving, it kicks in quickly. DAN insurance costs like $25 per year to become a member, and then $75 per year for the premium coverage. The premium coverage will cover more than just scuba diving related things. For $100 total dollars you can argue the coverage. DAN is also recognized worldwide. I haven’t had to use my coverage, but I have called the help line a few times with questions.
http://www.diversalertnetwork.org/
Back to the original question, most underwriters have no clue about scuba diving and they will cover their bases with high quotes. DAN has researched diving and diving related medicine for a while. They also realize that scuba diving is relatively safe.
thats random
References :
Most "regular" insurance considers scuba diving an extreme sport. Couple that with your age and you will get some outrageous quotes.
First, if you currently have health insurance, determine how it works outside of the US. Some policies are better than others. Either way you need to know what your current policy covers.
Second, look into regular travel insurance. This is great for lost luggage, missed flights, hotel overbooking, and stuff like that.
Third, look into scuba diving insurance. I highly recommend DAN (Divers Alert Network). It is a secondary insurance meaning it kicks in after your primary health care is used. Since most health insurance won’t cover scuba diving, it kicks in quickly. DAN insurance costs like $25 per year to become a member, and then $75 per year for the premium coverage. The premium coverage will cover more than just scuba diving related things. For $100 total dollars you can argue the coverage. DAN is also recognized worldwide. I haven’t had to use my coverage, but I have called the help line a few times with questions.
http://www.diversalertnetwork.org/
Back to the original question, most underwriters have no clue about scuba diving and they will cover their bases with high quotes. DAN has researched diving and diving related medicine for a while. They also realize that scuba diving is relatively safe.
References :
I would also recommend DAN insurance. I worked as a dive instructor for 5 years, and held both professional liability and personal accident insurance from DAN Europe throughout. Fortunately I never needed it, but I was glad to have it both for my own (and my students’) peace of mind and also because it made me more employable.
DAN offers several different policies, depending on how much coverage you want, but even the basic membership provides unlimited cover for medical/evacuation costs in the event of an accident PROVIDED that DAN are informed of the accident, and manage the care. Failure to do this means that coverage is subject to limits which may not cover all costs.
The policy prices are not ‘personalised’ in any way, i.e. one is not penalised for one’s age (although they do stipulate that divers over 75 should be medically certified fit to dive). They do not specify an arbitrary ‘sport diving’ depth limit, and even cover accidents occurring during stage-decompression diving activities (including recreational technical trimix/heliox, up to 130 m).
http://www.diversalertnetwork.org is the website for DAN Americas. The European site is http://www.daneurope.org
References :
http://www.daneurope.org
Hiya,
I’ve used Dive Master Insurance (http://dive-master.net) and they seemed very reasonable to me.
They have regular travel insurance, which you combine with IDEC cover for the diving. The IDEC cover is similar to the DAN policy which has also been mentioned – but a lot cheaper for the same level of cover. They also don’t put any depth limits on the IDEC cover which is a bonus. You can also add on extra equipment cover.
Happy Diving!
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I’ve used the company – no issues at all!
The best thing to do is compare your travel insurance to get the best deals, try theycompare.co.uk
References :
http://www.theycompare.co.uk