• Welcome to ScubaBoard


  1. Welcome to ScubaBoard, the world's largest scuba diving community. Registration is not required to read the forums, but we encourage you to join. Joining has its benefits and enables you to participate in the discussions.

    Benefits of registering include

    • Ability to post and comment on topics and discussions.
    • A Free photo gallery to share your dive photos with the world.
    • You can make this box go away

    Joining is quick and easy. Login or Register now by clicking on the button

DAN and AIG travel insurance absurd response ; Sinking boat not covered!

Discussion in 'Dive Insurance' started by HBO MD, Aug 27, 2019.

  1. wnissen

    wnissen Nassau Grouper

    # of Dives: 25 - 49
    Location: Livermore, Calif.
    198
    86
    28
    And TravelGuard / AIG is not one of the companies known for denying claims willy nilly to save a buck. I had a good experience with them paying out promptly in the case of a delay. Unfortunately their policies that I read excluded coverage for things like war, terrorism, or civil unrest. If I book a trip to Egypt, obviously I don't intend to go in the middle of a revolution or civil war, right? The fine print excludes a ton of stuff that seems like it would cost almost nothing to insure.
     
    KathyV likes this.
  2. outofofficebrb

    outofofficebrb HARRO HUNNAYYY

    # of Dives: 200 - 499
    Location: San Francisco, California
    2,706
    1,953
    113
    I really hate that the OP is going through all this but I think it is also prompting many of us to read the fine print on our policies closer, or again. My usual policy does not cover terrorism as well, but I believe that to be quite common with many policies. It does cover "civil unrest" and "war" with some caveats.

    "8. Emergency evacuation for non-medical reasons, including war, civil unrest, natural disasters, or other causes: The insurer will pay or reimburse You for payment or cost of non-medical emergency evacuation as defined below: 8.1. Payment to offset the cost of obtaining or paying for evacuation during a period of civil unrest, insurrection, natural disasters that could not have been foreseen prior departure from home country of origin that has is posted to or declared by the United States Department of State or validated by the NOAA (National Oceanic Atmospheric Association) in the cases of weather or natural disaster. In all cases, the insurer reserves the right to assess the validity of the claim and its decisions are final. 8.2. Coverage is NOT valid in any country that was on the verge, already in or under duress for a period of 60 days prior to departure from point of origin or country of residence. See general exclusions for definition associated with travel to global hotspots. 8.3. Specific exclusions: Afghanistan, Iran, Iraq, Mali, North Korea, Pakistan, Somalia, Syria, Yemen and countries of the Sudan"

    On the same note as civil unrest, strike/riot is also covered with some caveats:

    "The insurer will reimburse You up to limit specified in the Schedule of Benefits in respect of reasonable additional accommodation (room only) and travel expenses necessarily incurred to reach the overseas destination as a consequence of; strike, riot, mechanical breakdown, missed connection or inclement weather, causing interruption of scheduled public transport services (on the outward journey only); or accidental or mechanical failure involving the car in which You are travelling (provided it has been properly serviced) causing You to arrive at the international point of departure from the point of origin to commence the booked journey"

    Here are the exclusions for "War Insurrection and Terrorism":

    "27. War Insurrection and Terrorism: The Insurer shall not be liable for: a. Nuclear, and Weapons of mass destruction: means the use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals. b. Chemical Weapons: mass destruction means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals. c. Utilization of Biological weapons of mass destruction means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesized toxins) which are capable of causing incapacitating disablement or death amongst people or animals. 28. Terrorism: Terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organization(s) or governments(s)."
     
  3. flyboy08

    flyboy08 ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 500 - 999
    Location: NYC
    2,832
    1,709
    113
    Insurance policies are always effective at 12:01am on the day coverage is bound.
     
    KathyV likes this.
  4. flyboy08

    flyboy08 ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 500 - 999
    Location: NYC
    2,832
    1,709
    113
    War and terrorism are excluded on almost every insurance policy as is nuclear explosion and pollution unless caused by a covered accident...ie, you run your car into a lake and pollute the water with gas....then your insurance company is responsible for remediation.


    Yes, insurers are not in the business to pay out claims. Especially third and fourth tier companies...you want Cadillac coverage, buy Chubb :), but you’ll pay for it.
     
    caydiver and outofofficebrb like this.
  5. wnissen

    wnissen Nassau Grouper

    # of Dives: 25 - 49
    Location: Livermore, Calif.
    198
    86
    28
    Fundamentally, what I want is a policy that covers stuff that's not my fault. I bet a lot fewer people would buy the insurance if they understood what was excluded. We've gone on at least a couple major trips a year for a decade, and only one time really had to eat a deposit. Insurance is way overpriced, it would have cost us at least two weeklong vacations by now.
     
  6. KathyV

    KathyV ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 500 - 999
    Location: Midwestern US
    4,693
    2,654
    113
    I've gone back and forth on the issue of trip insurance many times over the years. We've always gotten some DAN insurance and sometimes, if it was a really big expensive vacation, we would also buy the trip insurance. Or if there was something going on in our lives at the time - like an ailing parent- we would get trip insurance.

    But it was the story of Gary McNabb, posted here on Scubaboard, that finally helped me make up my mind and regularly take the travel insurance in addition to the DAN dive insurance. I have told this store before but new members join SB all the time so I will repeat the information here - it might help someone else to decide one way or another.

    A dive shop owner named Gary McNabb had retired and closed his shop and moved to Florida. While all these changes were taking place he let his DAN insurance lapse and forgot to renew it before making a dive trip with his wife to Ambergris Caye, Belize. On one of the dives he surfaced too close to the boat and suffered a serious head injury. He was transferred to a hospital in Belize City for surgery and critical care and later transported by air to Texas where he died in a hospital.

    He was a veteran and he had good insurance coverage in the US but his expenses outside the US were very large, and apparently not covered by the dive op or the resort, and so his friends set up the GoFundMe page at the link below to try to help his family.

    I didn't know Gary McNabb but I am guessing that he wouldn't have wanted to leave behind a terrible financial burden for his family. He paid for insurance for years and probably didn't use it much, but the one time he really needed it, he didn't have it. So now I try to make sure that we always have it - but I hope that we will never need it!

    Click here to support Gary McNabb Family Support Fund organized by Barbara Brower
     
    Altamira likes this.
  7. Lorenzoid

    Lorenzoid idling in neutral buoyancy

    # of Dives: 500 - 999
    Location: Atlanta, USA
    8,845
    5,292
    113
    DAN or equivalent insurance for accidents—always. Medical costs can be tens of thousands of dollars. But travel insurance for things like cancellation/interruption?—maybe only for a very expensive or remote liveaboard or resort.
     
    flyboy08 likes this.
  8. KathyV

    KathyV ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 500 - 999
    Location: Midwestern US
    4,693
    2,654
    113
    FYI, here is information about the sinking of the Majestic Explorer LOB:
    https://www.chronicleonline.com/news/local/eight-boats-hours-citrus-hills-woman-recounts-shipwreck-off-the/article_035381ba-888b-11e9-887c-7b023f71ec92.html
     
  9. Edward3c

    Edward3c Instructor, Scuba

    1,366
    546
    113
    I don’t take out travel and dive insurance to recover losses from accommodation, travel or diving none supply, but to get me (or my body) home if there were an incident. If the cover I’m after includes the other aspects, that’s a bonus.
     
    KathyV likes this.
  10. caydiver

    caydiver Manta Ray

    688
    437
    63
    I still don’t understand why the hotels cannot be cancelled. And while not ideal the non-refundable flights used at a different time. While it might not be the first choice, but at least it is something.
     

Share This Page