Dive Accident Insurance

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Don - 01 Dec 2005 18:21 GMT

I'm again shopping for dive accident insurance.

My problem with the coverage generally offered (including DAN's and
PADI's) is that the coverage is secondary to any other insurance. In
other words, the dive accident insurance company will deny all claims
if they beleave you have 'other' coverage, which would include
health insurance. Only after your health carrier has denied a claim
would the Dan coverage be applicable. Claims on these types of policies
can be a real pain, especially if your health insurance claims to be
secondary in the event you have other coverage,....and this is not
uncommon.

So, in looking around I came across DiveAssure:
http://www.diveassure.com/

This seems to be too good to be true. All coverage is primary and like
the high-end DAN and PADI insurance, includes trip insurance.

Does anyone know anything about DiveAssure? Does anyone have any
thoughts, experiences or suggestions Re them or other insurance
options?

Dive safe,

/Don

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kamibsf@gmail.com - 13 Dec 2005 17:46 GMT

Hi Don,

I have friends who have DiveAssure (I will get mine soon too as I just
got certified, woohoo!). My friend's wife had an injury and was
hospitalized over 5 days. They used DiveAssure from the first moment
the accident happened - she was evacuated, hopitalized and they even
flew her mom over to accompany her through her hospital stay. They tell
everyone about DiveAssure and are very pleased with it. The insurance
and the assistance services are by AIG and they are huge. Good enough
for me anyway....

DiverK

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nospam@all.please.net - 13 Dec 2005 18:04 GMT

On Tue, 13 Dec 2005 09:46:56 -0800, kamibsf wrote:

> My friend's wife had an injury and was
> hospitalized over 5 days. They used DiveAssure from the first moment
> the accident happened - she was evacuated, hopitalized and they even
> flew her mom over to accompany her through her hospital stay.

How is she doing? Where did the accident take place?

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Don - 14 Dec 2005 00:32 GMT

Thanks DiverK.

This is the info I seek. I actually just purchased their coverage. AIG
was a big factor, but the biggest was that their coverage is primary.
All the others popular, including DAN and PADI are secondary coverage.
I don't want to be injured halfway around the world and have them tell
me that I need to first submit my bills to my primary health insurance.

> Hi Don,
>
[quoted text clipped - 8 lines]
>
> DiverK

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Dr Yak - 14 Dec 2005 01:34 GMT

Many places will not take any insurance because it is difficult for them
to file and they have no way to verify your coverage. I won't be a
question of "which" it will be "no".

I

> don't want to be injured halfway around the world and have them tell me
> that I need to first submit my bills to my primary health insurance.

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Don - 14 Dec 2005 04:48 GMT

> Many places will not take any insurance because it is difficult for them
> to file and they have no way to verify your coverage. I won't be a
> question of "which" it will be "no".

This is also a concern, but one less in my control as I make a decision
on which coverage to purchase.

One can only hope that the dive travel insurance company has ways to
deal with this issue and is willing to do so (wire transfer payments,
etc). This is one of the chief reasons I seek primary coverage as
opposed to secondary.

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Pat Payne - 14 Dec 2005 19:59 GMT

Be sure it covers burial at sea.

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