Need multi-trip travel insurance. Anybody have a recommendation?

charlesml3 · Mar 5, 2012

Gang,

I've been with Diveassure for years and always bought their "Diamond Multi-trip" which covered all of my dive-related travel insurance for the entire year. I like that because I always make more than 1 trip. Well, they discontinued that. Now they only do travel insurance on a per-trip basis and if I add up the costs for the 3 trips I have booked this year it's more than double what I was paying.

I called DAN and they only offer per-trip as well.

Anyone have a recommendation for travel insurance that offers a policy to cover me on a yearly basis instead of per-trip?

To be very clear, I am NOT looking for medical. I already have that with DAN. I'm looking for trip insurance to cover non-refundable deposits from liveaboards, resorts, airlines, etc in the event of some eventuality like a hurricane or getting the flu 2 days before I'm supposed to leave.

Thanks!

-Charles

Garrobo · Mar 5, 2012

It's called: "Making more money without adding any product to the sale. Or:
s*****g the customer." Sort of like auto insurance companies charging you extra for each and every motor vehicle you have instead of insuring you as an individual.

oldogre · Mar 5, 2012

Annual travel insurance is sold in the U.K.

Ayisha · Mar 5, 2012

When I googled annual travel insurance several years ago, a bunch came up that were based in the U.S. Maybe you can try that.

I use Wide Horizons by TD Meloche Monnex, which covers a whole family for $121 Cdn per year for up to 2 months out of the province/area at a time for unlimited travel over a year. That price is for people who have other insurance with them, such as a home and/or car. I'm not sure if they only insure Canadians, but if so, there must be other companies with annual travel insurance. Their website is at Comprehensive and Affordable Travel Insurance

DandyDon · Mar 5, 2012

charlesml3:
To be very clear, I am NOT looking for medical. I already have that with DAN.

I don't think DAN offers medical coverage. You may well be covered elsewhere, but not there.

Ayisha:
When I googled annual travel insurance several years ago, a bunch came up that were based in the U.S. Maybe you can try that.

Yep, several to compare, and sites that will offer comparisons.

MX727 · Mar 6, 2012

charlesml3:
Gang,

I called DAN and they only offer per-trip as well.

I already have that with DAN.

-Charles

DAN's Preferred Plan has some trip insurance in it. It is a lifetime limit, but until you use it, you may not need to buy a separate policy. Talk to DAN again and see if it is what you need:

[h=2]Preferred Plan[/h]The Preferred Plan costs $75 per person per year in addition to your DAN membership dues and includes the following:

$250,000 (per incident) coverage⁺ for all covered in-water skin and scuba diving injuries occurring at any depth

up to $15,000 (principal sum) in accidental death and dismemberment benefits resulting from a covered diving accident⁺⁺

up to $15,000 (principal sum) in permanent total disability benefits resulting from a covered diving accident⁺⁺ incurred at any depth

$10,000 (maximum lifetime benefit, subject to a $250 deductible) coverage for eligible charges from the treatment of nondiving accidents outside your home country

Dive trip cancellation: $10,000 (maximum lifetime benefit, subject to a $250 deductible) coverage for insured person's losses incurred for trip cancellation before departure due to a sickness or injury that would impair the ability to dive.

Dive vacation interruption: $5,000 (maximum lifetime benefit, subject to a $250 deductible) coverage for insured person's losses incurred for trip interruptions after departure due to a sickness or injury that would impair the ability to dive.

If you are involved in a covered diving accident, the Preferred Plan also provides:

up to $3,000 for accommodations
up to $2,500 for lost dive equipment
up to $2,000 for an airline ticket

DandyDon · Mar 6, 2012

DAN's Preferred Plan has some trip insurance in it. It is a lifetime limit, but until you use it, you may not need to buy a separate policy. Talk to DAN again and see if it is what you need:

Yes, and $10K accident coverage out of country, but hardly comprehensive.

DivemasterDennis · Mar 6, 2012

I suggest you look at some of the benefits your receive fro American Express if you pay for your trip with their card, or book through their agency. I also think they offer travel insurance at a very reasonable rate. Anyway, it's an alternative you may want to look into.
DivemasterDennis

Thalassamania · Mar 6, 2012

American Express cover is pretty poor. You pay at least $200 and get $1,000 trip interruption coverage.

Need multi-trip travel insurance. Anybody have a recommendation?

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charlesml3

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