Insurance

Dive Insurance

All 4 Diving day trips include local insurance for all our day trips and courses. This insurance covers you for diving accidents and incidents whilst with us on the trip. There is a maximum coverage amount for accidents. This insurance only covers you whilst on Bali, Lembongan and Nusa Penida.

Why would you choose additional dive insurance?

Our local dive insurance has reasonable but limited coverage, once the limit is reached and if further treatment is needed you will need to cover the costs yourself. Plus, the local insurance does not cover you for any treatments afterwards when back in your home country. Neither would it cover emergency repatriation, search and rescue or lost diving equipment for example. You can arrange a more in-depth Dive Insurance via DAN from as little as 10 USD a day (Divers Alert Network) upfront, or with us upon check-in, for one up to 30 day(s) international coverage.

Travel Insurance

Dive insurance is mandatory by law when diving in Indonesia, but you may want to consider general travel insurance. After all, it’s not only the diving part that can cause havoc on or before your holiday. Missing luggage, days of diving lost due to a cold, non-diving related accident or not being able to come to Indonesia due to a family incident or illness at home for example can and do happen unfortunately.

Travel insurances come in a wide variety of possibilities. You will need to weigh up what risk you want to take versus how much you are willing to pay for your coverage. Some people travel with expensive dive gear, laptops, computers, phones needing coverage as well, others may not. Personal choice is totally understandable, so the best advice we can give you is just make sure you are prepared for covering those situations that are important to you.

Several options:
In case you already have a travel insurance, please check if yours covers scuba diving activities. Many travel insurances do but scuba diving is sometimes excluded and classified under “extreme sports” for example. Plus, some insurances would cover scuba diving only up to a certain depth or require special training in case of more specialized diving e.g. wreck diving, cave diving, nitrox diving etc.

If you don’t have a travel insurance, we can recommend DAN and DiveAssure, they both offer dive and travel insurance.

We would suggest to bear the following considerations in mind:

As a minimum, you need:

– dive accident or incident coverage plus Hyperbaric Chamber treatment whilst abroad and continued care when back home

– non-diving related accidents and incidents

– emergency medical evacuation

After that, especially with the current state of affairs in the world, it comes highly recommended to include trip interruption and cancellation coverage. Please note that many insurances would not cover natural disasters like earthquakes, volcano eruptions, pandemics or other “Acts of God” as they would be classified as a “force majeure” situation, hence out of anybody’s control. So read the fine print and ask the questions before committing to one!

What to look into / questions to ask when comparing insurances:

  • Check if natural disasters like earthquakes, typhoons, volcano eruptions, pandemics etc. are covered. Not all insurances will cover as there is a chance it falls under “Force Majeure”, but it’s worth asking the question.
  • How often do you travel? Does it make sense to be covered continuously or only per holiday?
  • What definition is used for emergency evacuation costs?
  • Are non-refundable deposits covered?
  • Are there certain hospitals/healthcare providers you have to use?
  • Will this insurance be primary insurance or is it secondary to other insurances you may have?
  • Is there a coverage limit per incident or are you covered for a lifetime?

A last consideration: Cancel for Any Reason (CFAR) policy

Worth considering, especially in light of recent affairs in the world, is looking into a “Cancel For Any Reason (CFAR)” policy. With CFAR insurance you can determine how much you pay to receive back portions of your travel investment for example 50% or 75%. You can purchase annual policies or tailor it specifically to a certain trip. Depending on the amount of money you spend on your travels, the number of trips you do in a year it’s worth looking into this option. Not every insurance will offer it, and it also depends highly on where you live in the world, the USA versus Europe or South East Asia often makes a difference of what is available and at what costs. A few examples of insurances that offer CFAR policies are:

Non-USA Citizen
Seven Corners Travel Insurance
Travelex Insurance Services
Trawick International

USA Citizen
AXA Assistance USA
HTH Travel Insurance
TravelSafe

Another travel insurance that covers scuba diving activity on its upgraded version is World Nomads. You can get a quote and book your insurance here:

All of the information provided about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

A word of warning: in light of recent events many insurances are re-defining their policies to a “new normal”, so again, do ask questions and check.

 

Please Note:
1. PT Indonesia Liveaboards- All 4 Diving Indonesia cannot be held responsible for any specific insurances purchased from any company nor claims made against these policies/companies. The above information is offered to help you find possible insurance options. Still, there are many more options out there, personal choices in which coverage you choose and possible adjustments to policies throughout the year.

2. We prioritize all guests safety and comfort equally. Therefore, before and during your trip, PT Indonesia Liveaboards- All 4 Diving Indonesia have and reserve the right to refuse to take someone diving or to stop a dive in progress if we deem there could be a danger to anyone’s safety based on sound, consistent and safety-related following reasons:

  • guest is clearly unfit to dive, exhibits breathlessness or is beyond your ability to manage them if in medical distress
  • guest is unable to manage gear or is out of breath when performing basic functions
  • guest is is under the influence of alcohol, drugs or other stimulants
  • guest is medically unfit to dive (Require clearance from a dive medicine physician for preexisting conditions, or use a systematic instrument such as the Recreational Scuba Training Council medical statement for all clients. In extreme circumstances you can still refuse service even if the diver has a medical fitness-to-dive certificate.)
  • guest has physical infirmity due to advanced age
  • guest has a medical condition such as a cold, congestion, difficulty breathing, lack of balance, confusion, physical injuries or other issues that may jeopardize the client’s health and safety
  • guest exhibits behavior such as aggression, recklessness, not following briefings or refusing instructions from the dive professional or the boat captain
  • guest has inadequate certification, experience levels or apparent competence for the dives you will be doing
  • guest in-water skills show a lack of ability to undertake a specific dive activity
  • guest has difficulty following the safety requirements
  • guest has a disability that precludes your ability to safely manage them or that you cannot reasonably accommodate
  • guest lacks knowledge of the equipment, especially on a demanding dive
  • guest has dive equipment that is clearly compromised or damaged

Finally, others reasons service can be refused are if the weather, current, forecast or other external conditions might affect everyone’s safety.