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Travel insurance

Discussion in 'Diving Trips and Locations' started by Martyn74, Jul 15, 2019.

  1. Martyn74

    Martyn74 New Member

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    Hi, we are going on our first Red Sea liveaboard in August does anyone know if our std insurance I have with my bank acc will cover us on the boat ? We are also taking out an idec divemaster accident policy .
    Thanks.
     
  2. Wibble

    Wibble Fish don't talk
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    DAN insurance is generally respected and has a good reputation for paying up.
     
  3. JohnL

    JohnL Well-Known Member

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    Bank insurance often limits the number of dives on a trip, so agree with Wibs, also because DAN is a specialist and appears to give excellent support in the event you need medical care after a diving accident.
     
  4. Tel

    Tel Super Moderator
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  5. Delvey

    Delvey New Member

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    Which bank are you with?
    Nationwide Flex Plus covers up to 30 metres
     
  6. Wibble

    Wibble Fish don't talk
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    Whilst they would cover you, the cover will be basic and may be challenging to claim, certainly when compared with cover from dive-specific companies such as DAN who will cover things such as decompression treatment, repatriation, etc.

    The sorts of grief could include going to 30.1m and being rejected, or limited numbers of dives, etc.

    It's a general principle in life that you get what you pay for.
     
    JohnL likes this.
  7. korsakof

    korsakof Member

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    DAN is always a good value. It´s a little bit expensive but if you dive regurarly it´s cheap.
     
  8. JohnL

    JohnL Well-Known Member

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    I have DAN, Silver I think, and it is a diving insurance not travel insurance as I understand it. When I'm heading to a hyperbaric chamber because something serious has gone wrong, this is what I need because of their international expertise and contacts - at this point, priority one is saving my life, priority two is reimbursement of the costs of treatment.
    Of course, the chances of this occurring are low because I've had lots of training, only dive with a buddy, blah, blah, blah - the whole point of insurance is to sort out the unexpected and, for me, it is worth the peace of mind that I would have a diving specialist on my case rather than a general insurance company.
    In UK, I would rely on the NHS - for all their shortcomings, I think that they are at their best for real emergencies.
     
    John F and Chimpus like this.
  9. furryman

    furryman hmmmm
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    Many liveaboards will need you to have explicit hyperbaric treatment cover in your insurance, and if you don't have it (DAN or similar), they will sell you a local policy for a few Euros a day.
    And 30m isn't the best for Red Sea: 40 would give you some headroom (Thistlegorm is 33+m to the seabed). There was a case a few years ago of a guy with a standard holioday medical policy, he got bent and racked up a bill for the pot, whcih his insurance wouldn't cover as he had been just over 30m.
    He ended up haveing to do a facebook and newspaper appeal for money, as they wouldn't let him leave the hospital (or the country). Several tens of thousands £ were involved.
     
  10. Iain Denham

    Iain Denham Active Member

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    Dan Silver will do.
     

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