Continue with your selected dive plan
Run the eight-point check against the real itinerary.
Consider arranging insurance when your dates are known and non-refundable costs begin, then confirm when each benefit starts. A policy may cover ordinary travel problems while applying separate conditions, add-ons or exclusions to scuba.
- 1
Countries, dates and travel adviceInclude every destination, stopover and transit point; ask how changed official advice affects cover.
- 2
Overseas medical and hospitalCheck exclusions, excesses, approval rules and eligible emergency assessment, hospital and treatment costs.
- 3
Evacuation and repatriationAsk about remote islands or vessels, search and rescue, authorisation and self-arranged transport.
- 4
The exact diving activityState depth, certification, supervision, gas, repetitive diving and any wreck, cave, decompression, rebreather, technical or freediving activity.
- 5
Liveaboard and missed departureAsk whether the vessel is treated as a cruise and whether missed departure or evacuation needs an add-on.
- 6
Health, age and disclosuresAnswer every question accurately and confirm how conditions, medication, recent treatment or age affect the policy.
- 7
Cancellation and interruptionMatch the selected amount to potentially non-refundable flights, accommodation, transfers and prepaid diving.
- 8
Gear, valuables and evidenceCheck total and per-item limits, excesses, depreciation, unattended-item rules and specified-item options.
Re-run the check whenever the itinerary changes. A deeper site, different vessel, new transit country, additional breathing gas or newly disclosed health detail can change the question the insurer must answer. Confirmation for one trip should not be assumed to apply to another.
Do not ask, “Does it cover scuba?” Ask, “Does it cover this itinerary?”
Give the insurer the destination, operator or vessel, maximum planned depth, certification, supervision, breathing gas, dive frequency and every specialist activity. Ask for the exact wording that supports the answer and keep it with the Certificate of Insurance.
Use four trip-specific question sets.
Keep the eight checks, then add the details below. Use the operator itinerary and planned dive profiles rather than a broad country description.
Land-based recreational reef trip
- Is scuba covered to the deepest planned depth?
- Must dives be guided or within a named certification?
- Is an adventure-activity option required?
- How are delayed gear, missed connections and island evacuation handled?
Liveaboard or remote boat trip
- Is the vessel treated as a liveaboard, cruise or both?
- Is a cruise pack or endorsement required?
- Is missed vessel departure covered after an insured delay?
- What approvals apply to vessel evacuation or hospital admission?
Advanced, wreck or technical trip
- What maximum depth and certification conditions apply?
- Are penetration, caves or overhead environments excluded?
- Are decompression, rebreathers or mixed gases excluded?
- Are recompression treatment or specialist evacuation treated separately?
Specialist in-water activity
- Is freediving or the named activity defined separately?
- Do depth, supervision, training or competition exclusions apply?
- How does the policy define an eligible in-water injury?
- Which approvals apply to treatment and transport?
Still choosing? See upcoming overseas trips, then run the insurer check against the selected itinerary.
Copy this insurer email and replace the brackets.
Ask for a written answer tied to the PDS, activity schedule or formal endorsement. Remove activities you will not do and keep the reply with the policy documents.
Email template
The text area remains available for manual selection if automatic copying is blocked.
Manual fallback: select the template and copy it with your keyboard or device menu.
Travel insurance, DAN membership and dive injury insurance are not interchangeable.
Names and benefits can overlap, but each arrangement has its own wording, eligibility, territory, approvals and exclusions. Compare current documents without assuming that one replaces another.
Comprehensive travel insurance
May address overseas medical care, cancellation, interruption, delays, baggage and repatriation. The actual scuba activity must fit the policy and any required option.
DAN membership and TravelAssist
Provides the current membership services and emergency-assistance benefits described by DAN. DAN states that membership alone does not cover treatment costs for a covered diving accident.
Optional dive injury insurance
A separate policy may address eligible treatment costs from covered dive injuries. Territory, covered-dive definitions, depth conditions, exclusions and claims rules still apply.
Know who to call and what each service does.
For a life-threatening situation, call local emergency services or reach an appropriate medical facility first. After emergency help is underway, contact DAN and the travel insurer promptly, in the order circumstances and policy requirements allow. Do not delay urgent care while trying to follow a universal call sequence.
DAN 24/7 emergency contacts
For diving emergencies and DAN medical assistance from overseas.
DAN’s published emergency number for calls within Australia.
Also save the travel insurer’s current 24/7 assistance number, policy number and any destination emergency number offline.
Telephone numbers verified against official DAN pages on 16 July 2026. Recheck immediately before departure.
Local emergency services
Provide urgent response, assessment and stabilisation. Use the local equivalent of emergency services for a life-threatening event.
DAN
Can support divers and treating clinicians with dive-medicine consultation and the assistance available under current DAN terms.
Travel insurer
Explains policy assistance, approvals and claims steps. Contact it promptly before major transport or admission where practical and required.
Save screenshots as well as contact entries. Roaming, local dialling rules and poor connectivity can make a familiar number difficult to retrieve when it is needed.
Build one offline proof-and-documents pack.
Keep the essentials together on your phone, in secure cloud storage and with a trusted person at home.
- PDS, Certificate of Insurance and every activity, cruise or specialist endorsement
- Insurer, DAN, operator and destination emergency contacts
- Certification, recent logbook details and fit-to-dive documents where relevant
- Full itinerary, operator details, flight records and liveaboard departure information
- Insurer emails that identify the supporting clause or endorsement
- Gear photographs, receipts, valuations and serial numbers
- Medical reports, prescriptions and required medication documents
- A simple incident record: times, names, callback numbers, receipts and dive-computer data
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