WHY IS DIVE INSURANCE SO IMPORTANT

Why is Diving Insurance so Important?

Dive insurance is vital for divers, offering financial protection in case of emergencies, accidents, or equipment damage. It ensures peace of mind, allowing enthusiasts to focus on exploring underwater wonders worry-free.

It’s always the same old story,  whether it’s travel insurance, car insurance, or scuba diving insurance…most of us never give too much thought to why it is so important to get scuba diving insurance or any insurance for that matter until it is too late! Let us tell you a little story about a perfectly healthy scuba diver. They didn’t smoke or drink very much and had many years of scuba diving experience without any issues.

During a Thailand dive trip, they took a fun dive trip package that included three dives each day over 5 days. The first dive of the day was always the deepest, down to approx 30m, the 2 subsequent dives were always shallower on coral reefs at nearby islands. On his third-day scuba diving, they surfaced from the first morning dive and had just sat down on the boat and de-kitted, when suddenly they experienced a strange dizzy sensation. Shortly afterward they stated a strange sensation in the legs. Immediately dive staff gave assistance and provided emergency care and oxygen during the boat ride which helped ease his symptoms. After missing the later dives they decided to rest at the hotel. Unfortunately, the next morning, they awoke to tingles and numbness in both legs again and knew something wasn’t quite right.

SPOILER ALERT: TWO & 1/2 DAYS LATER RAN UP $20,000+ IN  RECOMPRESSION TREATMENTS!

Dive Insurance is Important Dive DAN Pattaya

As luck would have it, the local recompression chamber was situated not too far from the Thai diving resort spot. Later that day, they found themselves in the first six-hour chamber treatment, which only slightly improved the DSC symptoms, facing a bill for 140,000 Thai baht ( Approx $4,300 USD). A second, six-hour treatment was also required which gave more improvement, but symptoms remained and the bill this time has risen to 280,000 Thai baht: ( Approx $8,600 USD). The hospital/chamber wanted a payment on the spot, by the way. Fortunately, they had a roomy credit card for emergencies.

Doctors decided he should be evacuated to an international facility hospital for ongoing treatment which involved a medevac flight and an ambulance ride to the tune of more Thai baht (another $8000 on the credit card), This led to another 90-minute chamber session that day, and another two-hour treatment the next day. (At this point, his payment increased another $3,000.)
Eventually, after all the prompt chamber treatments, our diver friend made a seemly full recovery. Eventually, after some major hassles and scrutiny, the travel insurance policy, which he paid an extra premium for diving on, reimbursed the $23,900 in expenses that had been applied to the credit card….

But What If they never had the Credit Card That Day or it got declined?

What If They Had Decided Not To Pay Out on the Reimbursement?

Why Pay a Premium Rate Insurance Fee and still have these concerns?

REMIND ME WHY IS DIVE INSURANCE SO IMPORTANT!?

It’s black and white, it’s simply not worth the risk. For the little amount of money, it costs for scuba diving insurance, with the right insurance you have total peace of mind.  Here at Pattaya Scuba Adventures, is an authorized dive center for PADI, one of the world’s leading organizations in diver training. We teach about redundancy planning for our diving; take a spare mask, and back up dive computer… we also advocate planning for the worst and hoping for the best. we dive defensively.

DAN Diver Alert Network Dive Insurance Pattaya Scuba Adventures

 

WHAT IS THE BEST CHOICE?

At the end of the day, the best choice is to have dive Insurance of any kind! We would love to tell you this cover is the best but ultimately, the choices are vast as are people’s circumstances also.

Below we have listed some providers who offer an outstanding selection for you as a diver and won’t leave you high and dry. Looking for dive insurance coverage with complete peace of mind.

GET YOURSELF COVERED AND DIVE SAFE!

CSM Travel & Scuba Diving Insurance

Divers Alert Network – Membership & Insurance