Dive Insurance

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Wouldn’t it make sense to insure yourself against the unexpected while enjoying your favorite activity?

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Top 5 Commonly Asked Questions

I have personal travel/accident insurance. Am I not covered?

Chances are, no. Most personal travel/accident insurance does not cover scuba diving, as dive accidents may include additional costs such as emergency evacuation, chamber treatments. Best to check with your personal travel/accident insurance provider on the finer details.

Also, your general insurer and a dive insurer works in a fundamentally different way. When you call your general insurance provider, you likely get a call center agent who would ask for your policy details, check against your coverage, figure out the nearest location and emergency center under their coverage.

On the other hand, when you call your dive insurer in an emergency, it is handled differently. Medical dive emergencies require specialised care and should be treated by specialists, which are on hand 24/7. Most general physicians are generally not trained to understand the subtle points within this field. When you believe you have encountered a dive emergency, you can call your dive physician and they will give you the appropriate dive emergency advise, and will also work alongside the local doctor to get you the best care possible. Your case will also be assigned to a dedicated coordinator who will follow up on your progress and arrange the necessary.

How is dive insurance different?

Dive insurance covers emergency evacuation, chamber treatments, along with a 24/7 medical support helpline from a specialised dive physician.

Depending on the coverage type, some options extends to trip cancellations, loss of dive equipment, and extra flight/accommodation expenses following a diving accident.

Do I really need it? Buying insurance is a waste of money.

Like any other sports, recreational diving is considered a safe activity. But mishaps do happen. Truthfully, you will never appreciate its worth until something (touchwood) happens. For a small sum, you can be insured up to USD100,000.

We have a number of options from short term to annual coverages to suit your diving needs. Why take the risk?

I like to live on the edge, I should be ok. Right?

That’s cool tho. Just make sure you have around USD50,000 lying around or a sufficient credit card limit.

Yep, that’s the average cost of a dive emergency. Let us break it down for you:

  • Hyperbaric chamber examination: ~USD500
  • Hyperbaric chamber treatment: ~USD5,000 per session, you may need a few sessions
  • Emergency evacuation: Costs depends on location (air ambulance may cost up to USD20,000)
  • Hospitalisation bills: Again, depending on the hospital
  • Medical oversight from dive physician during an emergency: Priceless. This is typically not included in your general insurance.

Rough numbers… USD50,000. If your general insurance covers it, awesome. But they are not likely going to cover the entire amount, you may still need to pay ~20% (co-pay/deductible) which leaves you ~USD10,000 out of pocket. All this only for treatment… Just let that sink in for a moment.

You are trying to scare me aren't you?

Not at all. It’s human nature to fear the unknown. You may have saved up for your dream vacation, don’t let an unforeseen incident ruin it for you. We just want to help you make an educated decision and encourage you to enjoy your vacation with a peace of mind. ?

Choosing the right policy

Different dive insurance policies features different terms and coverage levels, so reading the fine print is essential. While price is important, the scope of coverage can be dramatically different. Here are some points you should look out for when comparing dive insurance plans

  • Expertise in diving related emergencies and procedures
  • Policy limits
  • Primary vs secondary
    • Primary insurance means the insurer will pay (up to limits) directly to the service providers
    • Secondary insurance means the insurer will pay (up to limits) whatever your primary insurance doesn’t cover
  • Scope of coverage and limits
  • Deductibles
  • Trip cancellations/interruption arising from dive accidents
  • Loss/replacement of diving gears

Tired of reading the fine prints?

We’ve done the leg work for you, so you can focus on the important bits to make an informed decision

When considering a dive insurance coverage, we suggest assessing your diving style. Are you a once-a-year kinda diver? Or do you dive frequently?

Being affiliated with DiveAssure and DAN-Asia Pacific means we are able to offer both short-term and annual coverages to match your needs. Please note that DiveAssure and DAN-Asia Pacific are separate entities from ScubaHive.

Dive Assure Logo Small
In Partnership with DiveAssure (#1389411)
DAN AP Supporter Logo Small
Divers Alert Network Asia Pacific Supporter (#B00051)
 DiveAssure
DiveSafe
DAN World
Short Term
Insurance TypePrimarySecondary
Territorial CoverageWorldwideMalaysia
Indonesia
Philippines
Applicant EligibilityWorldwideAsia Pacific (ex-Japan)
Cover Diving at Home CountryMalaysia
Indonesia
Philippines
Cover Diving AbroadMalaysia
Indonesia
Philippines
Liveaboards
Snorkeling
Free Diving
Recreational Diving
Commercial Diving
Age Limit75 years young75 years young
Medical Oversight by Dive Physician
Hyperbaric Chamber TreatmentsUnlimitedUp to USD100,000
Medical ExpensesUnlimitedUp to USD100,000
Evacuation ExpensesUnlimitedCombined with medical limits
Medical RepatriationUnlimited
Extra Flights and Logding
following dive accident
Up to USD3,000Up to USD3,000
Personal Diving Equipment Loss
following dive accident
Up to USD2,000Up to USD2,000
Depth Limit
based on certification
No limitNo limit
Mix-Gas RestrictionsNo limitNo limit
Travel Insurance
Coverage Pricing GuidelineRM125(3-day)
RM213(1-week)
RM254(2-weeks)
USD10(1-day)
USD20(2-days)
USD30(3-5 days)
USD40(6-10 days)
USD50(30-days)
 DiveAssure
Dive&Travel
DiveAssure
Dive&Travel+
Insurance TypePrimaryPrimary
Territorial CoverageWorldwideWorldwide
Applicant EligibilityWorldwideWorldwide
Cover Diving at Home Country
Cover Diving Abroad
Liveaboards
Snorkeling
Free Diving
Recreational Diving
Commercial Diving
Age Limit75 years young75 years young
Medical Oversight by Dive Physician
Hyperbaric Chamber TreatmentsUnlimitedUnlimited
Medical ExpensesUp to USD250,000Unlimited
Evacuation ExpensesUp to USD250,000Up to USD500,000
Medical RepatriationCombined with evacuation limitsCombined with evacuation limits
Extra Flights and Logding
following dive accident
Up to USD3,750Up to USD5,000
Personal Diving Equipment Loss
following dive accident
Up to USD2,500Up to USD5,000
Depth Limit
based on certification
No limitNo limit
Mix-Gas RestrictionsNo limitNo limit
Travel Insurance
Trip Cancellation
due to injury or illness
Up to USD7,500/trip
USD50 deductible
Up to USD10,000/trip
USD50 deductible
Trip Interruption
due to injury or illness
Up to USD3,750/trip
USD50 deductible
Up to USD5,000/trip
USD50 deductible
Loss Diving Days
due to medical inability to dive, and inclement weather
Travel Delay
after first 12 hours
Up to USD500Up to USD1,000
Missed Flights/ConnectionsUp to USD500Up to USD1,000
Coverage Pricing GuidelineRM187(3-day)
RM512(1-week)
RM34(per extra day)
RM211(3-day)
RM727(1-week)
RM45(per extra day)
 DiveAssure
DiveSafe
DAN Asia Pac
Master
DAN Asia Pac
Preferred
DAN Asia Pac
Preferred+
Insurance TypePrimarySecondarySecondarySecondary
Territorial CoverageWorldwideWorldwideWorldwideWorldwide
Applicant EligibilityWorldwideAsia Pacific (ex-Japan)Asia Pacific (ex-Japan)Asia Pacific (ex-Japan)
Cover Diving at Home Country
Cover Diving Abroad
Liveaboards
Snorkeling
Free Diving
Recreational Diving
Commercial Diving
Age Limit75 years young75 years young75 years young75 years young
Medical Oversight by Dive Physician
Hyperbaric Chamber TreatmentsUnlimitedUp to USD120,000
lifetime maximum
Up to USD250,000
per occurrence
Up to USD250,000
per occurrence
Medical ExpensesUnlimitedCombined with
hyperbaric treatment
Combined with
hyperbaric treatment
Combined with
hyperbaric treatment
Evacuation ExpensesUnlimited
Medical RepatriationUnlimitedUp to USD150,000Up to USD150,000Up to USD150,000
Extra Flights and Logding
following dive accident
Up to USD3,000Up to USD2,000
Personal Diving Equipment Loss
following dive accident
Up to USD2,000Up to USD2,500
Depth Limit
based on certification
No limit50mNo limitNo limit
Mix-Gas RestrictionsNoneNoneNoneNone
Travel InsuranceLimited
Coverage Pricing GuidelineRM555(per annum)AUD95(per annum)AUD149(per annum)AUD209(per annum)
** Kindly note that DAN Asia Pacific insurance plans are optional and is available to DAN Members at AUD65/person/annum which includes a 12-month coverage of worldwide evacuation coverage, 24/7 hotline for medical assistance, an annual subscription to Alert Diver magazine, and more!
 DiveAssure
Dive&Travel
DiveAssure
Dive&Travel+
DAN Asia Pac
Preferred+
Insurance TypePrimaryPrimarySecondary
Territorial CoverageWorldwideWorldwideWorldwide
Applicant EligibilityWorldwideWorldwideAsia Pacific (ex-Japan)
Cover Diving at Home Country
Cover Diving Abroad
Liveaboards
Snorkeling
Free Diving
Recreational Diving
Commercial Diving
Age Limit75 years young75 years young75 years young
Medical Oversight by Dive Physician
Hyperbaric Chamber TreatmentsUnlimitedUnlimitedUp to USD250,000
per occurrence
Medical ExpensesUp to USD250,000UnlimitedCombined with
hyperbaric treatment
Evacuation ExpensesUp to USD250,000Up to USD500,000
Medical RepatriationCombined with evacuationCombined with evacuationUp to USD150,000
Extra Flights and Logding
following dive accident
Up to USD3,750Up to USD5,000Up to USD2,000
Personal Diving Equipment Loss
following dive accident
Up to USD2,500Up to USD5,000Up to USD2,500
Depth Limit
based on certification
No limit50mNo limit
Mix-Gas RestrictionsNoneNoneNone
Travel InsuranceLimited
Trip Cancellation
due to injury or illness
Up to USD7,500/trip
USD50 deductible
Up to USD10,000/trip
USD50 deductible
Up to USD5,000
USD250 deductible
Trip Interruption
due to injury or illness
Up to USD3,750/trip
USD50 deductible
Up to USD5,000/trip
USD50 deductible
Up to USD2,500
USD250 deductible
Loss Diving Days
due to medical inability to dive, and inclement weather
Travel Delay
after first 12 hours
Up to USD500Up to USD1,000
Missed Flights/ConnectionsUp to USD500Up to USD1,000
Coverage Pricing GuidelineRM850(per annum)RM1,280(per annum)AUD209(per annum)
** Kindly note that DAN Asia Pacific insurance plans are optional and is available to DAN Members at AUD65/person/annum which includes a 12-month coverage of worldwide evacuation coverage, 24/7 hotline for medical assistance, an annual subscription to Alert Diver magazine, and more!

Please note: Coverages and plans do change, we will update this section as practicable and quote you the latest plans. Whether you choose DiveAssure or DAN-Asia Pacific, you are certain that you will be in good hands.

Dear John, I just wanted to say thank you so much for being there for me when I needed advice and support regarding my skin bend in Sri Lanka - it was a relief to know you were available even though we were so remote. You also gained a couple of new members out of it, as my diving buddies saw firsthand DAN in action and were really impressed.

Sue, Australia

Source: Divers Alert Network (DAN)

2019-03-31T00:26:53+08:00

Sue, Australia

Source: Divers Alert Network (DAN)

Dear John, I just wanted to say thank you so much for being there for me when I needed advice and support regarding my skin bend in Sri Lanka - it was a relief to know you were available even though we were so remote. You also gained a couple of new members out of it, as my diving buddies saw firsthand DAN in action and were really impressed.
In a life/death scenario you don’t have time to play with. What I experienced with DAN was that there were no delays. Activation of a plan and decisions were immediate. I’ve rarely encountered this kind of efficiency and professionalism.

Don’t risk going on a dive trip without DAN! With DAN from the moment you make that emergency or advice call, you’re instantly connected to a highly trained person, who assesses your call and transfers you to a doctor specialized in diving medicine. Within seconds you’re talking to a diving medical professional. If they’re not certain, they activate an immediate internal colleague-to-colleague collaboration.

Julika

Source: Divers Alert Network (DAN)

2019-03-31T00:29:05+08:00

Julika

Source: Divers Alert Network (DAN)

In a life/death scenario you don’t have time to play with. What I experienced with DAN was that there were no delays. Activation of a plan and decisions were immediate. I’ve rarely encountered this kind of efficiency and professionalism. Don’t risk going on a dive trip without DAN! With DAN from the moment you make that emergency or advice call, you’re instantly connected to a highly trained person, who assesses your call and transfers you to a doctor specialized in diving medicine. Within seconds you’re talking to a diving medical professional. If they’re not certain, they activate an immediate internal colleague-to-colleague collaboration.
Compared to this sport, insurance is cheap. I've used my DAN insurance (Preferred), and they covered my co-pays and additional travel/hotel expenses, even though my health insurance payed for the chamber in the long run. The amazing thing was, when the chamber ops looked at my DAN card, they knew they were going to get paid (DAN paid them, then my insurance paid DAN) and they fired up the iron pony no questions asked. Get dive insurance!

Mer

Source: Scubaboard

2019-03-31T00:32:16+08:00

Mer

Source: Scubaboard

Compared to this sport, insurance is cheap. I've used my DAN insurance (Preferred), and they covered my co-pays and additional travel/hotel expenses, even though my health insurance payed for the chamber in the long run. The amazing thing was, when the chamber ops looked at my DAN card, they knew they were going to get paid (DAN paid them, then my insurance paid DAN) and they fired up the iron pony no questions asked. Get dive insurance!
Just had to drop a note tell you how well the Diveassure medical assistance program works! 50 minutes after arriving in Belize, my wife severely broke her arm. I emailed DiveAssure from an Internet Cafe and explained I was a member, that I lost my card and the situation with my wife. DiveAssure called and said everything was covered. They arranged for a flight the next day. I have never really planned to use the services that you buy insurance for, but this was money extremely well spent. To coin a phrase: DiveAssure – don’t leave home without it!!!

Mark, Texas

Source: DiveAssure

2019-03-31T00:35:56+08:00

Mark, Texas

Source: DiveAssure

Just had to drop a note tell you how well the Diveassure medical assistance program works! 50 minutes after arriving in Belize, my wife severely broke her arm. I emailed DiveAssure from an Internet Cafe and explained I was a member, that I lost my card and the situation with my wife. DiveAssure called and said everything was covered. They arranged for a flight the next day. I have never really planned to use the services that you buy insurance for, but this was money extremely well spent. To coin a phrase: DiveAssure – don’t leave home without it!!!
Whether or not it's worth it depends on what other insurance you already have. Keep in mind that DAN is secondary insurance ... which means that if your primary insurance carrier covers you, they won't.

As an example, when I visited the chamber a few years back, my primary insurance covered all my costs after a $300 deductible. My DAN policy picked up the $300 ... it didn't cost me a cent.

Bob

Source: Scubaboard

2019-03-31T00:37:29+08:00

Bob

Source: Scubaboard

Whether or not it's worth it depends on what other insurance you already have. Keep in mind that DAN is secondary insurance ... which means that if your primary insurance carrier covers you, they won't. As an example, when I visited the chamber a few years back, my primary insurance covered all my costs after a $300 deductible. My DAN policy picked up the $300 ... it didn't cost me a cent.
Went on a trip to Sipadan and I broke my arm. Luckily I had Dive Assure's dive and travel plan. Totally forgot to even think about my health insurance. Hospital bills were covered, and I even got reimbursed for my lost diving days and transport back to KL.

Raymond, Malaysia

Source: ScubaHive

2019-03-31T00:48:03+08:00

Raymond, Malaysia

Source: ScubaHive

Went on a trip to Sipadan and I broke my arm. Luckily I had Dive Assure's dive and travel plan. Totally forgot to even think about my health insurance. Hospital bills were covered, and I even got reimbursed for my lost diving days and transport back to KL.
Nothing happened to me. Just glad that Scubahive went one step further to pass my insurance details to the dive resort just in case I forget. At least if anything happens to me, the guys will know who to call.

Susan

Source: ScubaHive

2019-03-31T00:52:20+08:00

Susan

Source: ScubaHive

Nothing happened to me. Just glad that Scubahive went one step further to pass my insurance details to the dive resort just in case I forget. At least if anything happens to me, the guys will know who to call.

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