Dive Accident Insurance

 

  •   *Guardian Preferred Master
  •    $125  $ 75  $40
  • Medical Dive Accident Coverage $500,000PO $250,000PO $125,000PO
  • Accidental Death & Dismemberment $30,000 $15,000 $15,000
  • Permanent & Total Disability $30,000 $15,000 $15,000
  • Extra Transportation $10,000 $2,000 $1,000
  • Extra Accommodation $10,000 $3,000 $1,500
  • Lost Diving Equipment $5,000 $2,500 $2,500
  • Medical Non-Dive Accident Coverage $20,000PO $10,000LT  
  • Additional Medical Transportation $100,000    
    •  
  • Home Country Medical Evacuation $50,000    
  • Search & Rescue $50,000    
    •  
  • Medical Coverage for Named Water Sports $30,000    
    •  
  • PO = Per Occurrence   LT = Lifetime
    *Guardian Plan is Available in Canada and some U.S. States

What do Dive Accident
Insurance Benefits Cover?

Medical Dive Accident Coverage

Covered charges include the reasonable and customary cost of medically necessary services and supplies provided for the care and treatment of a Covered Diving Accident when prescribed, performed or ordered by a Physician. This includes:

  • • Hyperbaric Chamber Treatment
  • • Physician's Charges for Hyperbaric Chamber Treatment medical care and surgical operations
  • • Ambulance transportation by ground, air or marine ambulance services to the nearest Hospital or Hyperbaric Chamber where prescribed care or treatment can be given
  • • Hospital charges

Accidental Death and Dismemberment

This coverage is for loss resulting from a Covered Diving Accident.

Permanent & Total Disability

Permanent Total Disability must result from a Covered Diving Accident. Permanent Total Disability means that an Insured Person is unable to perform the substantial and material duties of any occupation, if employed, or if retired, all of the normal activities for a person of like age and sex in good health.

Extra Transportation Costs

If an insured person is prevented from using their purchased ticket to return home based on the written advice of the attending Physician because of a Covered Diving Accident, the coverage pays for the cost of transportation for the return trip home.

Extra Accommodation Costs

If an insured person is delayed from returning home based on the written advice of the attending Physician because of a Covered Diving Accident, the coverage pays the cost of extra accommodations for the duration of the delay.

Loss of Diving Equipment

Coverage is for diving equipment that is worn on the diver's person that is "cut loose" and is lost or damaged as a result of a Covered Diving Accident. This coverage excludes watches, torn straps or buckles, or photographic equipment.

 

Divers Alert Network is your dive safety leader.