Dive Trip Insurance

Anybody have any recommendations on trip insurance plans? I'll be doing a
week on the Cayman Aggressor IV and it has been suggested to me that trip
insurance would be a good thing. This would be to protect against loss in
case I had to cancel for some reason (injury, etc.) and to protect against
lost luggage etc.

Thanks in advance.

- Dave

On Sun, 13 Mar 2005 19:02:19 -0500, "David Gintz"
<d_gintzREMOVEALLUNDERSCORES@adel_ph_iaDOT_net> wrote:

>Anybody have any recommendations on trip insurance plans? I'll be doing a
>week on the Cayman Aggressor IV and it has been suggested to me that trip
>insurance would be a good thing. This would be to protect against loss in
>case I had to cancel for some reason (injury, etc.) and to protect against
>lost luggage etc.
>
Read up on the top DAN plan. It has some interesting enhancements and
includes chamber rides to boot. I'm not sure it will be as
comprehensive as you want but if memory serves, it's pretty good, and
runs for a full year for the premium.

JF

"JOF" <johnfrancis@sympatic.ca> wrote in message
news:rtm9319uqs3m7gp492ndvtrncmqum0h4i3@4ax.com...
> On Sun, 13 Mar 2005 19:02:19 -0500, "David Gintz"
> <d_gintzREMOVEALLUNDERSCORES@adel_ph_iaDOT_net> wrote:
>
>>Anybody have any recommendations on trip insurance plans? I'll be doing a
>>week on the Cayman Aggressor IV and it has been suggested to me that trip
>>insurance would be a good thing. This would be to protect against loss in
>>case I had to cancel for some reason (injury, etc.) and to protect against
>>lost luggage etc.
>>
> Read up on the top DAN plan. It has some interesting enhancements and
> includes chamber rides to boot. I'm not sure it will be as
> comprehensive as you want but if memory serves, it's pretty good, and
> runs for a full year for the premium.
>
> JF
>

I've already got the DAN plan but that's only Dive insurance, covering
medical and other dive-related things. They don't refund trip costs etc.

David Gintz writes:

> Anybody have any recommendations on trip insurance plans?

It is silly to buy insurance against losses you can afford.

>> JF
>>
>
>I've already got the DAN plan but that's only Dive insurance, covering
>medical and other dive-related things. They don't refund trip costs etc.
>

They will if you upgrade to their Preferred Plan. I believe PADI's
insurance will cover cancelled trips on their higher-tier plans as
well.

On Sun, 13 Mar 2005 23:31:52 -0600, Richard J Kinch
<kinch@truetex.com> wrote:

>David Gintz writes:
>
>> Anybody have any recommendations on trip insurance plans?
>
>It is silly to buy insurance against losses you can afford.

That's the trick, isn't it, weighing the cost versus benefit? When you
factor in the probability of actually having a claim some of the
things we insure are kinda long odds.

In fact the odds are so much in favour of the product seller/supplier
that some self insure in expectation of making a profit on the
premiums they collect.

JF

Keith wrote:

>>I've already got the DAN plan but that's only Dive insurance, covering
>>medical and other dive-related things. They don't refund trip costs etc.

>
> They will if you upgrade to their Preferred Plan.

DAN's trip cancellation coverage is only for illness or accidents. If that's the only
thing that could possibly prevent you from going, great. OTOH, if you live in a world
where a hurricane could wipe out your destination, a snowstorm could delay your
plane, your kid could get sick right before the trip, or your 87 year old mother
might check out you'll need to explore other options if you think trip insurance is
worth it.

--
Steve

The above can be construed as personal opinion in the absence of a reasonable
belief that it was intended as a statement of fact.

If you want a reply to reach me, remove the SPAMTRAP from the address.

> Keith wrote:
>
>>>I've already got the DAN plan but that's only Dive insurance, covering
>>>medical and other dive-related things. They don't refund trip costs etc.
>
>>
>> They will if you upgrade to their Preferred Plan.
>
> DAN's trip cancellation coverage is only for illness or accidents. If
> that's the only thing that could possibly prevent you from going, great.
> OTOH, if you live in a world where a hurricane could wipe out your
> destination, a snowstorm could delay your plane, your kid could get sick
> right before the trip, or your 87 year old mother might check out you'll
> need to explore other options if you think trip insurance is worth it.

What DAN offers as trip cancellation coverage is indeed what I am planning
on getting but not from them. There are better plans for less money.

I'm interested in protecting against illness or injury (or other unforeseen
events) which might make me lose my 2600 (or so) dollar investment. For
around $100, I can be protected.

Thanks to all.

- Dave

David Gintz wrote:
> What DAN offers as trip cancellation coverage is indeed what I am
planning
> on getting but not from them. There are better plans for less money.
>
> I'm interested in protecting against illness or injury (or other
unforeseen
> events) which might make me lose my 2600 (or so) dollar investment.
For
> around $100, I can be protected.
>
DAN Preferred Plan cost $70/year covering medical cost,
transportation, extra accomodation, lost diving equipment, up to $10K
for dive vacation cancellation and $5K for dive vacation interruption.
I had compared the plan with trip insurance cost for a single trip at
various time and had always decided to go with DAN especially since we
take more than one dive trip per year.

On Wed, 16 Mar 2005 17:28:06 -0500, "David Gintz" <dgintz@gmail.com>
wrote:

>
><bdlongworth@surfbest.net> wrote in message
>news:1110991025.002609.271260@l41g2000cwc.googleg roups.com...
>>
>> DAN Preferred Plan cost $70/year covering medical cost,
>> transportation, extra accomodation, lost diving equipment, up to $10K
>> for dive vacation cancellation and $5K for dive vacation interruption.
>> I had compared the plan with trip insurance cost for a single trip at
>> various time and had always decided to go with DAN especially since we
>> take more than one dive trip per year.
>>
>
>Well, I must have misread the information on the transportation stuff and
>have ordered a $104 policy. Thanks to all for the information.
>
Sometimes we actually know what we're talking about on dive stuff, but
we're way better on politics. 8)

JF