K
KeithG
Guest
There are other insurance products available that cover LOBs. My eastern Canada Blue Cross product provides coverage....
They are also the only insurance company that I have found that covers liveaboards and diving for certain issues that wouldn’t be covered under other policies in standard trip interruption and cancellations. Think lost diving days due to medical inability to dive, someone getting DCS and having to change or abort dive schedule (lost dives/cancelled trip), broken air compressors, etc. You could argue that the Liveaboard operator may refund or whatever but it is not always guaranteed....i have seen some liveaboards caution to buy insurance because they may not/won’t depending on circumstances....
BUT: Partial non delivery of an All Inclusive experience is an issue with any insurance product.
If you remove your scuba brain and use your insurance brain you will realize that a LOB is just a very small All Inclusive Cruise Ship that offers diving as one of the available past times. So from an insurance perspective they think Cruise Ship when you describe an LOB. Nothing special here - just a small cruise ship. We cover cruise ships.
A cruise ship not sailing (or you missing it) is the same as a LOB not sailing (or you missing it). Total non delivery of the AI experience is easy to assess when making a claim. Most insurance products do not care WHY the travel supplier did not deliver. Non-delivery is non-delivery.
AI's introduce a wrinkle when attempting to make an insurance claim: how do you place a value on the "undelivered portion" of an AI experience. The insurance company needs to know the exact $ cost of the missing part. Included Nitrox not available for the week? Hot tub not working? I missed 2 dives because I had a cold? We missed a day of diving due to a storm (but we got fed and had a place to sleep and watched free movies all day)? The kitchen had no GF food so I did not eat all week? The specific costs of these things are not broken out in an AI experience.
The insurance company wants to see receipts detailing the actual amount of money you spent on the "thing that was not delivered". AI makes that very hard to do if part of the AI experience was not delivered.