Filling a Claim: Step-by-Step Guide

At DiveAssure, we’re here to support you when you need us most. If you’ve experienced a diving accident, travel issue, or any event covered under your DiveAssure policy, follow the steps below to file a claim quickly and efficiently.

Contact Local Emergency Services

Your safety is our first priority. If you’re experiencing a diving accident or medical emergency, ensure that you seek immediate medical attention and contact local emergency services for help.  

Contact DiveAssure Emergency Hotline:

Our emergency hotline is available 24/7 to assist you.  Call +1-319-448-3483 / +49-3222-109-5966 (Please make sure you have your DiveAssure member ID ready.)

Submit a Claim Online

Complete the claim form with details of your incident.
Attach any relevant documentation and paperwork.
Send to claims@diveassure.com and claims@robin-assist.com

Required Documents

DiveAssure member ID
Medical reports and bills (if applicable)
Invoices or receipts for additional or secondary costs
Any correspondence with a service provider or medical facility

Claim Review Process

Once you’ve submitted your claim, it will be reviewed by our team. We aim to process claims as quickly as possible. If we need further information, we will contact you directly.  

Payment and Settlement

In case your claim is approved, and according to your policy terms, DiveAssure will arrange the compensation. This may include direct payment to medical facilities, or reimbursement to you, for covered expenses.

Contact DiveAssure for Assistance.

If you have any questions or need help filing your claim, feel free to contact our team at:

Phone: +1-866-898-0921 or +49-3222-109-5966 during business hours

Email: claims@diveassure.com

We’re here to assist you every step of the way.

FAQs.

What should I do if I have a diving emergency?

In case of a diving accident, seek immediate medical attention and only then contact DiveAssure’s 24/7 Emergency Hotline at +1-319-448-3483 / +49-3222-109-5966

How will I receive my reimbursement?

Reimbursements or direct payments are made according to your policy terms. DiveAssure will arrange the appropriate payment method after your claim is approved.

How long does it take for a claim to be processed?

Once your claim is submitted, we aim to process it as soon as possible – and aim to offer direct payment where and when possible. Delays can occur if additional documentation is required, so make sure all your paperwork is submitted with the initial claim.

Can I file a claim on behalf of someone else?

Yes, in certain circumstances, such as if you’re a guardian or responsible party. You’ll need to provide relevant authorization and documentation to support the claim.

What should I do if I lose my receipts or medical reports?

If you lose any important documentation, try to obtain a copy from the service provider or medical facility. DiveAssure will need these documents to verify and process your claim, so it’s essential to provide accurate and detailed records.

Do I need to notify DiveAssure immediately after an incident?

For diving accidents or medical emergencies, it’s crucial to notify DiveAssure as soon as possible. For travel-related incidents, report the event within a reasonable timeframe (usually within 90 days) to ensure your claim is valid.

Can I submit a claim for minor incidents, like delayed luggage or canceled flights?

Yes, DiveAssure’s travel insurance may cover minor incidents such as delayed luggage, flight cancellations, or trip interruptions. Check your policy for specific coverage and file a claim with the necessary documentation.

What types of incidents are covered under my DiveAssure policy?

DiveAssure policies cover a wide range of incidents, including diving accidents, medical emergencies, evacuations, trip cancellations, lost baggage, and more. Review your specific policy to understand your coverage limits.

Is there a time limit for filing a claim?

Most claims should be submitted within a certain time frame after the incident, typically 90 days. We recommend filing your claim as soon as possible to avoid any complications or delays.

Can I check the status of my claim?

Our partners at Robin Assist will make sure you are fully up to date, you can follow up directly via claims@robin-assist.com or get in touch with our claims team at claims@diveassure.com

What if my claim is denied?

If your claim is denied, you will receive an explanation detailing the reason for the denial. If you believe the decision is incorrect, you can appeal the denial by providing additional documentation or clarifying the circumstances of the incident.

Do I need to pay upfront for medical treatment?

In some cases, DiveAssure can arrange for direct payment to medical providers. However, if you need to pay out-of-pocket, save all receipts and medical reports for reimbursement when you file your claim.

Does DiveAssure cover pre-existing medical conditions?

Pre-existing medical conditions may not be covered, depending on the specific terms of your policy. Make sure to review the exclusions section of your policy or contact our team for clarification before traveling.

Are diving accidents covered anywhere in the world?

DiveAssure policies provide worldwide coverage for diving accidents. However, ensure your plan covers the specific region where you’re diving, as some locations or activities may have special terms or restrictions.

What if I need help with the claim process?

DiveAssure’s claims team is always available to assist you. Feel free to reach out via phone or email if you have any questions or need help with your claim. Call us at +1-866-898-0921 or +49-3222-109-5966 during business hours / send us an email at claims@diveassure.com