Which DiveAssure program is right for you?
Through your membership in DiveAssure, you can choose the coverage you need to enjoy your year-round dives as well as your diving vacations. DiveAssure provides you with immediate membership that includes worldwide coverage for a full year. DiveAssure offers 3 levels of Annual Coverage as well as the DDM Package. Family and 2 year discounts apply to all programs.
- Gold – Basic diving accident protection.
- Platinum – Supreme diving accident protection with basic trip protection.
- Diamond – Our ‘all-in-one’ dive medical and dive travel program. The Diamond is available in Single or Multi-trip versions and provides higher annual diving accident limits combined with comprehensive trip protection, designed specifically for diving vacations. Please click here for full details on the Diamond Plan. The Diamond program should definitely be your choice if you plan on dive traveling this coming year.
- NEW IN 2010: The DDM (Duke Dive Medicine) Package – A new and innovative program available exclusively through DiveAssure. The DDM Package is a comprehensive set of medical services that enhances the already first-rate medical coverage provided by all DiveAssure programs with additional medical consultation and oversight provided by the DDM medical team. Click here to learn more on the services provided by the DDM Package. The DDM Package is included with all Diamond new registrations (as of March 1 2010) and can be also purchased as add-on or stand-alone.
*The DDM Package is included with all Diamond new registrations and will be available for purchase as add-on or stand-alone to all DiveAssure members as of April 1st 2010
DiveAssure Insurance Programs
All programs offer primary coverage. Benefit amounts below are per incident.
| Policy Cover | Gold | Platinum | Diamond |
|---|---|---|---|
| All programs offer primary coverage. Benefit amounts below are per incident. |
Basic diving accident protection | Supreme diving accident protection with basic trip protection | Our most prestigious program. Annual membership with dive accident coverage + either single trip or multi trip comprehensive protection. |
| Accident medical and rescue expenses following a diving accident, including emergency evacuation and policy limit | $250,000 | $500,000 | $1,000,000 |
| Death as a result of diving accident- optional | various levels | various levels | various levels |
| Loss of diving gear left on site of claimable accident requiring hospital treatment | $2,500 | $5,000 | $5,000 |
| Repatriation of remains to home country | $5,000 | $10,000 | $10,000 |
| Flight/Accommodation – extra expenses following diving accident | $5,000 | $10,000 | See Travel Protection Below |
| Depth limit | None | None | None |
| Diving vacation cancellation – due to the member being medically unable to dive (*) | N/A | $5,000 | See comprehensive Travel protection below |
| Diving vacation interruption – due to the member being medically unable to dive (*) | N/A | $7,500 | See comprehensive Travel protection below |
| Loss of diving days due to medical inability to dive (*) | N/A | $100 per day | $150 per day |
| Diving vacation cancellation – Comprehensive Coverage (*) | N/A | N/A | various levels up to $25,000 |
| Diving vacation interruption – Comprehensive Coverage (*) including also: additional transportation and accommodation expenses, travel delay and missed connection (150% more than your cancellation amount) | N/A | N/A | various levels – depending on your cancellation coverage up to $37,500 |
| Diving gear – comprehensive coverage (loss, damage and theft) | N/A | N/A | $5,000 |
| Death/Total and permanent disability – Non diving related – optional | N/A | N/A | various levels |
| Non-diving related accident assistance and medical expenses covered (during a diving vacation) | No | $10,000 (*) | $1,000,000 |
| Non-diving sickness Medical and rescue expenses including emergency evacuation – Comprehensive coverage. | N/A | N/A | $1,000,000 |
| Family member’s non-diving related accident assistance and medical expenses covered (during a diving vacation) | N/A | N/A | Non-diving membership is available to family members |
| 2 year memberships available | Yes | Yes | Yes (except for Single trip program) |
| Single trip/ multi trip comprehensive travel coverage | N/A | N/A | Both available |
(*) Subject to a $250 deductible.
Please note: This document does not constitute a legal contract of insurance for personal accident and medical expenses. If in doubt – for your own protection -please contact DiveAssure for additional information and description of Coverage.
Travel Assistance Services
All of DiveAssure’s annual memberships with insurance include travel assistance services by Travel Guard. Services are available 24 hours a day, 7 days a week through a toll free number or a collect call from anywhere in the world.
24-Hour Medical Assistance Hot Line:
Travel Guard provides 24-Hour Worldwide Medical Information and Assistance, multilingual assistance and consultation along with non-diving related medical referrals to physicians, hospitals and specialists.
Medical Evacuation:
Guard will make arrangements for any and all means necessary to transport the Insured back home when medically necessary.
Emergency Medical Payments:
If a Hospital demands a cash deposit or settlement prior to leaving, Travel Guard will arrange the advancement of funds to cover on-site Medical Expenses.
24-Hour Medical Monitoring:
Physicians monitor the Insured’s condition by maintaining close contact with the attending physicians, his/her family Physician, and Immediate Family Members.
Return of Dependent children:
Travel Guard will Arrange and pay for one-way economy airfare to return children home if you become ill or injured and cannot attend to their needs.
Return of Traveling Companion:
Travel Guard will arrange and pay for one-way economy airfare for a traveling companion if the companion loses previously made travel arrangements because of Your medical emergency.
Return of Vehicle:
Travel Guard will Arrange and pay to return your unattended vehicle to the rental agency or to the current principal residence in case of a medical emergency.
Family or friend Visit:
Travel Guard will arrange and pay for economy round-trip airfare for an Immediate Family Member or close friend if you are traveling alone and require hospitalization for more than seven consecutive days.
Prescription Assistance:
When required, Travel Guard will arrange replacement of lost or stolen medication, through a local pharmacy or special courier.
Transportation of Mortal Remains:
In the event of death while traveling, Travel Guard will make the necessary arrangements and payment for the return of remains to the place of burial.
24-Hour Legal Assistance (*)
In a legal emergency, referral to a local legal advisor and advance of funds for bail and legal fees.
Travel Documents Assistance
Travel Guard will help retrieve, report, and reissue lost or stolen travel documents.
Emergency Cash Transfer
Travel Guard will, whenever possible, coordinate with the Insured and a wire agency, in obtaining funds in local
Emergency Message Center
Travel Guard will assist with and pay for transmission of emergency messages to family and business associates.
Interpretation Services
Travel Guard will provide emergency language support or referral to the appropriate local services.
24-Hour Travel Services (*)
Travel Guard provides 24-hour assistance for emergency travel needs and allows you to make emergency travel changes such as rebooking flights, making hotel reservations, tracking lost luggage, and replacing lost credit cards.
Pre-trip Information
Travel Guard will provide the following pre-trip services: Visa, passport and inoculation requirements; Cultural information; Weather conditions; Embassy and consular referrals; Foreign exchange rates; and travel advisories.
Insurance Claims Assistance
Travel Guard will provide assistance in obtaining information for insurance claims generated overseas for cases coordinated through Travel Guard.
Bail Advances
Travel Guard will provide up to $5,000 in bail funds with an acceptable guarantee of reimbursement.
* Please note: Some of the services provided (Denoted) are service benefits, not financial benefits. Any costs associated with those benefits will be paid by You.