impilcature
Registered
Disclaimer: I searched... and since I am in a Divemaster class but not yet a Divemaster I can't get in to the Divemaster or any other PRO area.
I see the PADI insurance case pending litigation so I started researching dive insurance. In my scenario the following apply:
1. Military member - I was advised that since I am active duty there is really no reason to get "diving" insurance because all my medical bills are paid NQA. This does not mean I don't think I need professional insurance. I realize that PADI requires this. However I just completed all my book work for Divemaster and NOT ONCE does it mention my insurance options before I get the cert. It tells me that it is required but makes no mention of the specifics or an option to look them up. Do they spring them on me after I get my card "oh bye the way you owe us XXX dollars for insurance now that you are officially a pro"? because if that is the way this relationship will work I don't know if I want to be a part of it.
2. I move every three years. Once I become a professional in need of insurance do I have to go with "PADI" or equivalent? What if "PADI" insurance doesn't cover my area? I haven't worked out the details with my bank that offers small business insurance (USAA) but I would much rather use them because I have ALL my other financial plans through them.
3. Why are the different dive training "schools" requiring certain company's brand of insurance over another? I have lived LITERALLY in 3 different countries in the last 6 years. What kind of plan will allow me to be protected no matter where I live in the world?
4. What if I don't stay with PADI? What are the options later on when I am an instructor or higher? Would it be better to jump ship now if I am thinking of NAUI? (which I am hearing senior instructors talking of doing the same)I know this is kind of early to ask in a professional dive career (if you can call it a career and since I am not a pro -YET-).
Thank you all for your input. I apologize for the overload. I have been researching this for a few days now and wanted to be in the know before I ask my Mentor/instructor.
This forum has a wealth of knowledge. If I stay long enough I would like to be an archiver that finds old posts with great advice to sticky as guides and readme's.
I see the PADI insurance case pending litigation so I started researching dive insurance. In my scenario the following apply:
1. Military member - I was advised that since I am active duty there is really no reason to get "diving" insurance because all my medical bills are paid NQA. This does not mean I don't think I need professional insurance. I realize that PADI requires this. However I just completed all my book work for Divemaster and NOT ONCE does it mention my insurance options before I get the cert. It tells me that it is required but makes no mention of the specifics or an option to look them up. Do they spring them on me after I get my card "oh bye the way you owe us XXX dollars for insurance now that you are officially a pro"? because if that is the way this relationship will work I don't know if I want to be a part of it.
2. I move every three years. Once I become a professional in need of insurance do I have to go with "PADI" or equivalent? What if "PADI" insurance doesn't cover my area? I haven't worked out the details with my bank that offers small business insurance (USAA) but I would much rather use them because I have ALL my other financial plans through them.
3. Why are the different dive training "schools" requiring certain company's brand of insurance over another? I have lived LITERALLY in 3 different countries in the last 6 years. What kind of plan will allow me to be protected no matter where I live in the world?
4. What if I don't stay with PADI? What are the options later on when I am an instructor or higher? Would it be better to jump ship now if I am thinking of NAUI? (which I am hearing senior instructors talking of doing the same)I know this is kind of early to ask in a professional dive career (if you can call it a career and since I am not a pro -YET-).
Thank you all for your input. I apologize for the overload. I have been researching this for a few days now and wanted to be in the know before I ask my Mentor/instructor.
This forum has a wealth of knowledge. If I stay long enough I would like to be an archiver that finds old posts with great advice to sticky as guides and readme's.