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I’m confused...to my knowledge, DAN’s dive accident coverage doesn’t have interruption and cancellation coverage for trips.
Trip interruption insurance is all about helping you to continue your trip or get home. And consider that a "trip" can encompass multiple different "segments", do not limit your thoughts to a single voyage on a LOB or cruise ship. My last BIG trip was 21 days and involved 3 different countries, multiple plane flights and bus trip transfers mid trip along with a stay on a river cruise boat buried in there. A trip is more than 1 single "lodging". A trip starts when I leave home and ends when I get back home.That's an interesting point I did not consider. My assumption was that trip interruption insurance is for insuring against unanticipated costs in arriving at the liveaboard's port of embarkation due to delay of the (presumably air) carrier I booked to get me there. In other words, I have not been thinking of the liveaboard's then-current position on the sea as being the "destination"; rather, I have been thinking of the liveaboard's port of embarkation as the "destination." Is there fine print defining "destination"?
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I admit not having read as much fine print as you and OOO, but your "catch up"/"go home" provision sounds like more than the typical trip interruption coverage I have seen. That sounds like the Liveaboard Rider or cruise-specific insurance. (If you Google cruise insurance, you can find discussions of policies that sound just like that Liveaboard Rider as far as catching up with a cruise ship at the next port of call.)
My product? Maybe? Every product is different....Do you think your insurance would cover a helicopter to get you to the middle of the ocean, assuming such is available and the ship would agree to receive you? Just curious. That could cost many times the cost of the cruise! Or is the "most economical transportation" subject to a cap?...
When they ask for a cancellation amount you are providing the maximum amount that you think you will need them to pay you if things go wrong. Cranking the number up will likely increase your premium.On an unrelated (I think) note, @outofofficebrb : when I plug numbers into those online insurance quote generators, should I be including the total cost of the trip, including airfare, the liveaboard/resort, side trips, and whatever else I have paid in advance? It occurs to me that an event that would trigger reimbursement of airfare AND diving--that is, the whole trip being canceled--would have to be limited to something like a major sickness or injury occurring soon before the departure date. That seems unlikely to me. More likely would be something like I mentioned above, where I miss only part of the trip. Why could I not plug in a smaller number of my choosing, so that I'm effectively capping my own reimbursement in order to lower the premium?
I say we start a business selling trip insurance people can understand. When I come across a product in a store that doesn't have a price on it or has some other serious lack of relevant information, I don't buy it. I am starting to feel like I should hire an attorney to find my dive insurance, at which point I just move on without buying any. Maybe one day we will have $10,000 liveaboard trips, and at that point we will re-visit the topic. Meanwhile, we will keep our DAN, keep playing the credit card miles to take super cheap or free flights, and hope for the best. Even DiveAssure doesn't seem to want to share terms until you have moved past the paying online stage, and I am not going to pay for insurance based on a verbal conversation with a sales agent.
If you email DiveAssure and ask, they will email you a policy. I am going through all my insurance policies right now to determine if there are any serious gaps in coverage. I have 3 policies right now and I think I have a gap for liveaboard specific coverage.