{"id":2303,"date":"2020-07-15T10:09:05","date_gmt":"2020-07-15T14:09:05","guid":{"rendered":"http:\/\/wordpress.world.dan.org\/?post_type=dan_divers_blog&#038;p=2303"},"modified":"2026-04-30T02:47:45","modified_gmt":"2026-04-30T06:47:45","slug":"dive-accident-insurance-versus-travel-insurance-do-you-need-both","status":"publish","type":"dan_divers_blog","link":"https:\/\/world.dan.org\/es\/safety-prevention\/diver-safety\/divers-blog\/dive-accident-insurance-versus-travel-insurance-do-you-need-both\/","title":{"rendered":"Seguro de accidentes de buceo frente a seguro de viaje: \u00bfNecesita ambos?"},"content":{"rendered":"<p>Travelers often purchase travel insurance that has some level of protection against unexpected costs arising from flight delays, trip cancellation or damage to a rental car. However, very few travel insurance plans cover scuba diving incidents. Some allow you to purchase coverage for an extra charge, but be sure to read the fine print carefully. The policy may require you to dive with a divemaster or hold a scuba certification from a particular agency. Most policies exclude coverage if you make dives deeper than 100 feet (30m).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Travel insurance includes coverage for:**<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Trip cancellation due to illness, accident, job loss or an act of terrorism<\/li><li>Cancelled or delayed flights<\/li><li>Lost or delayed baggage<\/li><li>Medical coverage for an Illness or (non-diving) accident that occurs when traveling<\/li><li>ID theft<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">La <strong>Dive Accident Insurance* <\/strong><\/h3>\n\n\n\n<p>DAN dive accident insurance is designed specifically for divers. Chamber treatments are not typically covered by medical or travel insurance, so DAN dive accident insurance provides secondary accident medical coverage of up to US$500,000 and pays 100% of eligible expenses.<\/p>\n\n\n\n<p>Dive accidents can be catastrophic for the diver and their bank account. Some countries require large upfront cash payments, and there may be weeks of follow-up care once the diver returns home. Neither of these expenses are typically covered by traditional medical or travel insurance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">DAN dive accident insurance plans include coverage for:<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Ambulance transportation by ground, air or sea to the nearest hospital or hyperbaric chamber<\/li><li>Gastos de hospitalizaci\u00f3n<\/li><li>Hyperbaric chamber treatments<\/li><li>Permanent and total disability resulting from a covered diving accident<\/li><li>Extra transportation or accommodation costs if the diver is unable to use their original return ticket or requires an extended stay due to their covered diving accident<\/li><li>Loss of diving equipment if the diver\u2019s gear is damaged or lost as a result of a covered diving accident. <\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>The list above compares <strong><a href=\"https:\/\/world.dan.org\/es\/membership-insurance\/travel-insurance\/travel-protection-benefits\/\">DAN travel insurance<\/a><\/strong> polinesios hasta <strong><a href=\"https:\/\/world.dan.org\/es\/membership-insurance\/dive-insurance\/\">La cobertura contra accidentes de buceo de DAN World<\/a><\/strong> only. If you use a different travel insurance provider, read your statement of benefits carefully. DAN membership costs as little as US$35 per year for individual divers and US$55 for families (price and availability vary by country). Dive accident insurance plans start at US$40.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-small-font-size\">Para los residentes de IN, MN, NH, NY, OH y WA, el seguro est\u00e1 suscrito por The United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciliada en el estado de Nueva York con domicilio social en One World Financial Center, 200 Liberty Street, Nueva York, NY 10281. Actualmente est\u00e1 autorizada a ejercer su actividad en todos los estados, m\u00e1s DC, excepto PR. Este resumen es s\u00f3lo una breve descripci\u00f3n de las prestaciones y est\u00e1 sujeto a los t\u00e9rminos, condiciones y limitaciones. La cobertura puede variar seg\u00fan el Estado.  AG 12070<\/p>\n\n\n\n<p class=\"has-small-font-size\">Para los residentes de todos los dem\u00e1s estados de EE.UU. y del Distrito de Columbia, el seguro est\u00e1 suscrito por National Union Fire Insurance Company de Pittsburgh, Pensilvania, una compa\u00f1\u00eda de seguros con domicilio social en 175 Water Street, Nueva York, NY 10038. Actualmente est\u00e1 autorizada a realizar operaciones de seguros en todos los estados y en el Distrito de Columbia. N\u00ba NAIC 19445. Este resumen s\u00f3lo proporciona una breve descripci\u00f3n de las coberturas disponibles en virtud de la p\u00f3liza de la serie S30854DBG. La p\u00f3liza y el certificado emitidos contendr\u00e1n reducciones, limitaciones, exclusiones, definiciones y disposiciones de rescisi\u00f3n. La p\u00f3liza y el certificado emitidos contendr\u00e1n todos los detalles de la cobertura. En caso de conflicto entre este resumen y la p\u00f3liza y el certificado emitidos, la p\u00f3liza y el certificado prevalecer\u00e1n en todos los casos. La cobertura puede variar seg\u00fan el estado.<\/p>\n\n\n\n<p class=\"has-small-font-size\">**Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as Generali Global Assistance &amp; Insurance Services. Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker. This notice provides general information on Generali\u2019s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/world.dan.org\/wp-content\/uploads\/2020\/08\/logo_generali_disclaimer-01.svg\" alt=\"\" class=\"wp-image-3614\" width=\"64\" height=\"52\"\/><\/figure><\/div>\n\n\n\n<p class=\"has-small-font-size\">Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali \u2013 U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste &amp; Venice in Oregon, and The General Insurance Company of Trieste and Venice \u2013 U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.<\/p>","protected":false},"excerpt":{"rendered":"<p>As a diver, do you need both diver insurance and health insurance? To determine that answer, remember that very few travel insurance plans cover scuba diving incidents. <\/p>","protected":false},"featured_media":2308,"comment_status":"closed","ping_status":"closed","template":"","dan_divers_blog_categories":[],"dan_divers_blog_tags":[],"class_list":["post-2303","dan_divers_blog","type-dan_divers_blog","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Dive Accident Insurance Versus Travel Insurance: Do You Need Both? - DAN World<\/title>\n<meta name=\"description\" content=\"Travel insurance is a good option for divers, but they need diver insurance too. 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