Insurance and the Traveling Diver: Part II

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Traveling divers need two kinds of insurance, a policy that covers dive accidents and a general policy that covers all other elements of travel, such as flights and luggage problems, and medical and health issues. As a diver, you're engaging in an "extreme sport." Dive accident policies cover you when your injury is directly related to diving, but if you're walking down a dock with your tank strapped and fall and crack your noggin, you're probably not covered. You were engaging in an "extreme sport." Many travel policies don't cover extreme sports, so if your carrier decides your injury occurred while engaging in an extreme sport, you may be left hanging. So, make your policy applies.

And keep in mind collecting any insurance reimbursement may turn out to be a full-time job.

Persistence Pays

Jack Bernstein (Englewood, OH) had issues with Allianz on trip interruption coverage after his flight to Bonaire was canceled, and he couldn't get a flight until two days later. It took him two months of continual calling and "giving them justifications as to missing the days" before he got paid....

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