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November 2019    Download the Entire Issue (PDF) Vol. 34, No. 11   RSS Feed for Undercurrent Issues
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Your Dive Boat Sinks Before You Get There

and DANís Elite Travel Policy does not cover it

from the November, 2019 issue of Undercurrent   Subscribe Now

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In the early morning of May 31, the Majestic Explorer ran aground and sank near the northern coast of Santiago Island in the Galapagos. The Ecuadorian Coast Guard safely rescued the 26 divers and crew, but divers booked for future trips aboard the Majestic Explorer had nowhere to go. Explorer Ventures, which owned the boat, scrambled to book them on other liveaboards, offered them land-based alternatives, or refunded the cost of their liveaboard trip.

However, their refund did not cover already booked airline flights and hotels. That is where travel insurance comes in. For Undercurrent subscriber Neil Sheridan (Dallas, TX) -- not his real name -- it did not, though he bears responsibility, and his plight shows that dive travel insurance has lots of exclusions -- and subsequently lots of confusion.

A Diver's Tale about DAN Travel Insurance

Sheridan wrote us, "Having purchased Diver Alert Network's top-of-the-line Elite policy, I was comforted that I would be reimbursed and covered for this catastrophic event. You can imagine my surprise when I was informed that the incident was in fact not covered under the terms of the policy, leaving me approximately $3,000 out of pocket. I was told by the representative that she's unaware of any policy covering boat sinking."

Sheridan had paid $1,800 for the Elite policy to cover both him and his wife, but was denied reimbursement for his claim of $1,100 in lost airfare and hotel costs (Explorer Adventures reimbursed him for the liveaboard trip), but AIG did not explain the specific reason, citing Section II: Benefits" and "Section IV: Exclusion and Limitations. The closest AIG got to explaining was by stating, "It has been verified your trip was canceled due to the dive ship you were scheduled to sail on being damaged beyond repair. Based on the documentation included in your claim file, we have determined that the expenses being claimed are not covered under the terms of your policy."...


Subscribers: Read the full article here


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