After booking your liveaboard, the next important item to arrange for a trouble-free holiday is your travel and dive insurance. In Indonesia dive insurance is mandatory by government law, but also because accidents can happen any time, you want to make sure that you are covered.
Choosing one can be a bit time consuming at first, but it is worth the time investment so you can travel without worries. As safe as traveling in Indonesia is, and as much as local care is cheap, the more advanced private care, although excellent with regards to international standards, can end up really expensive.
Not only Hyperbaric chamber treatments in case of DCS, also seemingly innocent incidents like a small car or scooter accidents, getting acclimatized to the heat, bugs or even simply hitting your toe badly, can make you unable to enjoy your liveaboard trip fully. But also unexpected family and health considerations may force you to stay at home. And then we are not even touching the subject of hurricanes, volcano eruptions and earthquakes yet. Now, anything can happen and that is no reason to stay at home, but being well prepared with a good insurance puts the mind at ease in case something does happen.
Mermaid Liveaboards recommends 2 of the most respected insurance companies in the world: DAN and Dive Assure. Please bear in mind that with the information below we are giving you an overview of options and considerations, but policy’s do change, so make sure you thoroughly check the actual documents you get from the insurance provider.
What do you need?
– Dive accident and incident coverage plus Hyperbaric Chamber treatments whilst abroad and possible further treatment when back at home
– Emergency medical costs coverage
– Medical evacuation coverage
– Trip interruption and cancellation coverage. We can not stress this point enough. If you can’t make it to the trip due to unfortunate happenings, like accidents, incidents, unexpected illnesses etc. at least you don’t lose the whole amount of your trip on top of that!
– Travel assistance services for example if your passport is lost
When comparing insurances, it may be worth considering the following:
– Check if the insurance covers tropical weather situations and / or natural disasters, like volcano eruptions, earthquakes, typhoons, fires, etc. sometimes these circumstances are defined as an “Act of God” and therefore excluded
– What falls under emergency evacuation costs?
– How often do you travel? Does it make sense to be covered continuously or only per holiday?
– Are non-refundable deposits covered?
– Are there certain hospitals / healthcare providers you have to use?
– Will this insurance be primary insurance or is it secondary to other insurances you may have?
– Is there a coverage limit per incident or for a lifetime?
Below you find a short summary of the three insurances we can recommend, please read their full policy’s carefully and ask the insurance provider if anything is not clear.
DAN has a short-term dive insurance that covers you in case of a diving accident. You can choose from 1 to 30 days coverage and price ranges from US$10 to 50. It is available on board your Mermaid Liveaboards trip – sign up on boarding.
DiveAssure offers two types on plans: Diving Accident Coverage (DiveSafe) and Dive &Travel insurance. Their Dive & Travel PLUS provides premium coverage for international trips and liveaboard vacations. This plan secures your investment for your liveaboard trip – if you miss your liveaboard departure or lose diving days due to illness, boat issues weather, etc, you will be covered! Book now or sign up on boarding.
Please Note: Mermaid Liveaboards cannot be held responsible for any specific insurances purchased from any company nor claims made against these policies/companies. The above information is offered to help you find possible insurance options, but there are many more options out there, personal choices in which coverage you choose and possible adjustments to policies throughout the year.