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Author Topic: Have you ever claimed a scuba trip on a travel insurance?  (Read 1999 times)

Chris

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That might be an odd question, but I guess it falls under travel issues and is therefore right in this category:

1. I have in the past been able to claim costs on my travel insurance caused by things like flight delays due to bad weather - things neither me nor the airline had any power in but simply happen.

2. I have been on a dive trip which was cut short by 50% due to a diver having DCI and the LOB needs to rush back to harbour to get him to hospital.

I don't blame anyone and of course is it not the LOBs operators fault if we have an accident, but simply put: I was not able to dive as much as I paid for... I will have a chat with my insurance, but before that was wondering if anyone has some experience?

Thanks!

gummy

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hi chris

you might wanna elaborate on this incidents and maybe to share what lesson learnt or take away for all of us?

cheers

Chris

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hi chris

you might wanna elaborate on this incidents and maybe to share what lesson learnt or take away for all of us?

cheers

I'd love to but do not see myself as the right guy to do so. I was on a LOB with a very mixed group of guests. I am a rather experienced recreational diver, but the DCI patient was a technical diver on a CCR - and frankly: I have never used one and do not know anything about technical diving. I do not like reading posts of people who make wild speculations on rather serious issues, so I simply won't do so either.

npallasi

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I have no experience either, so this is how I think it might work.

If the dive operator promised 3 dives and you could only do 1 dive, you might be able to claim from either the operator or the insurance company. It would really help if you have details of your booking in black and white. I am guessing it would be easier to get compensation from the dive op rather than from insurance. Dive ops can give free dives or shop credit, etc.

If the dive op states anywhere that they reserve the right to change the number of dives, then it might not be likely to claim from insurance, but you could possibly negotiate with the dive op.

Alvin Ho

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For travel insurance, it will make the process easier if you have the receipt from the LOB detailing the dive package as well as a report from the LOB company detailing the incident and the number of diving days affected. Companies usually have a per dive day rate with which to calculate trips by so that can be a guide in terms of compensation.

Alternatively it might be easier to claim from the LOB company and then they will also claim from their own insurance. That is if they are willing.
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runez

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It really depends the exact wording of your insurance contract and contract with the dive operator, especially of the compensation clause if present.

Even if it's not worded, I would think that the risk of a customer getting DCS and cutting the trip short should lie with the operator. It's a business risk. It would be unfair to let the other customers bear this risk. Logically, some compensation from the operator would be fair, especially if the operator wants to build a good reputation and goodwill among customers.

The operator may have insurance which covers such scenarios too.

If nobody is willing to compensate you, you may have some recourse through a civil suit to the operator (or other parties), but you'll have to consult a lawyer to get advice on that and decide if it's worth the hassle and cost.

Do let us know the outcome after you speak to your insurance provider or operator. It'll be a useful case reference for others.

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