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Scuba Forum / General / March 2005Dive Trip Insurance
Anybody have any recommendations on trip insurance plans? I'll be doing a week on the Cayman Aggressor IV and it has been suggested to me that trip insurance would be a good thing. This would be to protect against loss in case I had to cancel for some reason (injury, etc.) and to protect against lost luggage etc. Thanks in advance. - Dave >Anybody have any recommendations on trip insurance plans? I'll be doing a >week on the Cayman Aggressor IV and it has been suggested to me that trip >insurance would be a good thing. This would be to protect against loss in >case I had to cancel for some reason (injury, etc.) and to protect against >lost luggage etc. Read up on the top DAN plan. It has some interesting enhancements and includes chamber rides to boot. I'm not sure it will be as comprehensive as you want but if memory serves, it's pretty good, and runs for a full year for the premium. JF >>Anybody have any recommendations on trip insurance plans? I'll be doing a >>week on the Cayman Aggressor IV and it has been suggested to me that trip [quoted text clipped - 8 lines] > > JF I've already got the DAN plan but that's only Dive insurance, covering medical and other dive-related things. They don't refund trip costs etc. >> JF > >I've already got the DAN plan but that's only Dive insurance, covering >medical and other dive-related things. They don't refund trip costs etc. They will if you upgrade to their Preferred Plan. I believe PADI's insurance will cover cancelled trips on their higher-tier plans as well. >>I've already got the DAN plan but that's only Dive insurance, covering >>medical and other dive-related things. They don't refund trip costs etc. > They will if you upgrade to their Preferred Plan. DAN's trip cancellation coverage is only for illness or accidents. If that's the only thing that could possibly prevent you from going, great. OTOH, if you live in a world where a hurricane could wipe out your destination, a snowstorm could delay your plane, your kid could get sick right before the trip, or your 87 year old mother might check out you'll need to explore other options if you think trip insurance is worth it.  SignatureSteve The above can be construed as personal opinion in the absence of a reasonable belief that it was intended as a statement of fact. If you want a reply to reach me, remove the SPAMTRAP from the address. >>>I've already got the DAN plan but that's only Dive insurance, covering >>>medical and other dive-related things. They don't refund trip costs etc. [quoted text clipped - 7 lines] > right before the trip, or your 87 year old mother might check out you'll > need to explore other options if you think trip insurance is worth it. What DAN offers as trip cancellation coverage is indeed what I am planning on getting but not from them. There are better plans for less money. I'm interested in protecting against illness or injury (or other unforeseen events) which might make me lose my 2600 (or so) dollar investment. For around $100, I can be protected. Thanks to all. - Dave > What DAN offers as trip cancellation coverage is indeed what I am planning > on getting but not from them. There are better plans for less money. > > I'm interested in protecting against illness or injury (or other unforeseen > events) which might make me lose my 2600 (or so) dollar investment. For > around $100, I can be protected. DAN Preferred Plan cost $70/year covering medical cost, transportation, extra accomodation, lost diving equipment, up to $10K for dive vacation cancellation and $5K for dive vacation interruption. I had compared the plan with trip insurance cost for a single trip at various time and had always decided to go with DAN especially since we take more than one dive trip per year. > DAN Preferred Plan cost $70/year covering medical cost, > transportation, extra accomodation, lost diving equipment, up to $10K > for dive vacation cancellation and $5K for dive vacation interruption. > I had compared the plan with trip insurance cost for a single trip at > various time and had always decided to go with DAN especially since we > take more than one dive trip per year. Well, I must have misread the information on the transportation stuff and have ordered a $104 policy. Thanks to all for the information. - David >> DAN Preferred Plan cost $70/year covering medical cost, >> transportation, extra accomodation, lost diving equipment, up to $10K [quoted text clipped - 5 lines] >Well, I must have misread the information on the transportation stuff and >have ordered a $104 policy. Thanks to all for the information. Sometimes we actually know what we're talking about on dive stuff, but we're way better on politics. 8) JF > Sometimes we actually know what we're talking about on dive stuff, but > we're way better on politics. 8) > > JF Well, SOME of use are! >> Sometimes we actually know what we're talking about on dive stuff, but >> we're way better on politics. 8) >> >> JF >> >Well, SOME of use are! I'm a great pretender. I'll fool me all the time. JF >>> DAN Preferred Plan cost $70/year covering medical cost, >>> transportation, extra accomodation, lost diving equipment, up to $10K [quoted text clipped - 10 lines] > >JF And guns, can't forget guns. Signaturedillon "When the French are against it, you know we can't be far wrong." - Adm. Bobbie Ray Inman >>>> DAN Preferred Plan cost $70/year covering medical cost, >>>> transportation, extra accomodation, lost diving equipment, up to $10K [quoted text clipped - 12 lines] > >And guns, can't forget guns. Guns? We don't know about guns. JF Last time I checked, DAN trip insurance covers only YOU. If your travel partner can't go for some reason, you're not covered. If you travel single, that's OK, but if my husband is too sick to travel, I'll probably be staying home with him. The more commercial travel insurances cover canceling your trip because a partner or your family is ill. Becky > >Anybody have any recommendations on trip insurance plans? I'll be doing a > >week on the Cayman Aggressor IV and it has been suggested to me that trip [quoted text clipped - 8 lines] > > JF >Last time I checked, DAN trip insurance covers only YOU. If your travel >partner can't go for some reason, you're not covered. If you travel single, [quoted text clipped - 17 lines] >> >> JF I hadn't thought of it that way. But then I don't think I'd ever been aware of that kind of couples coverage before. It's a good idea though. JF "Oh, you hate your job? Why didn't you say so? There's a support group for that. It's called EVERYBODY, and they meet at the bar." - Drew Carey > Last time I checked, DAN trip insurance covers only YOU. If your travel > partner can't go for some reason, you're not covered. If you travel [quoted text clipped - 3 lines] > home with him. The more commercial travel insurances cover canceling your > trip because a partner or your family is ill. Yes, you are right Becky. That's why I've gone with a commercial insurance company instead. Thanks. - David > Anybody have any recommendations on trip insurance plans? It is silly to buy insurance against losses you can afford. >> Anybody have any recommendations on trip insurance plans? > >It is silly to buy insurance against losses you can afford. That's the trick, isn't it, weighing the cost versus benefit? When you factor in the probability of actually having a claim some of the things we insure are kinda long odds. In fact the odds are so much in favour of the product seller/supplier that some self insure in expectation of making a profit on the premiums they collect. JF Travel Guard. A $2000.00 trip runs about $90.00. (if age is less that 50) Have used this company for many years and even had to make a claim which was handled promptly and no complaints. > Travel Guard. A $2000.00 trip runs about $90.00. (if age is less > that 50) Have used this company for many years and even had to make > a claim which was handled promptly and no complaints. Thanks all. I'm paying about $104 for CSA for a trip of $2400. |
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