It is recommended that you get diving insurance, because, even though scuba diving is considered a safe activity, in the unfortunate event of a diving accident, insurance payouts can run into hundreds of thousands of US dollars. Medical treatment in some destinations, and specifically diving related medical treatment, or medical evacuation, can be very expensive. An uninsured person will need to pay out of pocket, sometimes upfront, and that could be a problem for the most of us.

While your diving accident policy will pay the diving related medical costs such as hyperbaric chamber treatments, you may incur many other expenses or lose some or all of your trip investment through scenarios such as non-diving medical situations, cancellation and interruption due to many reasons like inclement weather, personal or family issues, airlines delay and many other reasons. A travel insurance policy will protect you against such unforeseen scenarios.

Different insurance policies have different terms and conditions and coverage levels, so reading the fine print of each program is essential. While price is important, the scope of coverage of policies can be dramatically different. Here are some important points you should look into when comparing dive travel insurance plans:
 Expertise in diving related emergencies and hyperbaric medical procedures.
 Policy limits.
 Primary Vs. secondary coverage. Primary coverage includes admission guarantees, fast claims process and much more.
 Direct payment to treating facility vs. reimbursement.
 Scope of coverage.
 Deductibles.
 Reasons for cancellation/interruption, and coverage limits.
 Reasons for lost activity (diving) days.
 Loss/replacement of diving gear.

The Dive&Travel Plus is a unique insurance product that is offered exclusively by DiveAssure, which includes additional benefits that cover scenarios specific to liveaboard trips that are not covered by any other travel insurance program on the market.

When you purchase the Dive&Travel Plus you continue to enjoy full dive-travel coverage, as well as enhanced coverage ‎designed to protect you against unforeseen scenarios specific to liveaboard trips. The following exclusive benefits are included with the Dive&Travel Plus:

Trip Cancellations Due To:

• Trip cancellation coverage due to a missed connection resulting in missing the liveaboard or in additional cost to join it.
• Trip cancellation coverage for missing liveaboard departure due to airline delays.

Lost Diving Days Due To:

• Medical inability to dive.
• Weather conditions not enabling diving/sailing.
• Diving accident to other passenger on boat causing the boat to abort planned diving.
• Expenses not reimbursed by the tour operator for default /mechanical breakdown to air supply.
• Financial Default of the liveaboard operating company, or tour operator.