Do I need dive insurance?

If you are SCUBA diving, you need dive insurance. It’s really that simple.

Being in a SCUBA diving capital, Florida Keys dive operations are exposed to an extremely large volume of divers. Every year we monitor the number of accidents in the 100 mile chain from Key Largo to Key West. The accidents are common and even increasing. Most employer offered insurance policies and general insurance policies exclude injuries arising from scuba diving. If you are injured in the water you may find yourself paying some very expensive medical bills, including multiple recompression chamber visits if needed. Scuba diver insurance such as policies offered by Divers Alert Network (DAN) are affordable and must be purchased before your trip.

At Key Largo Dive Center we highly encourage all divers booked through our dive shop to have DAN Insurance or equivalent.

To save time, please sign up prior to your arrival to the dive shop for check-in.

On a side note, if you are newly certified and are within your first 10 dives, we highly recommend you book a Dive Guide / Divemaster when booking your dives with us or any dive operators.

Not only are they there to show you the fantastic underwater world and the special features of each dive site, they are trained to help you in emergency situations. Or, simply to prevent you from getting into emergency situations. Some situations can seem as trivial as not inflating your BCD when entering the water to mask flooding at depth. Once you realize the way divers can react, or not react for that matter, the Divemaster is there for quick reaction to help you from what would seem to be an inconvenient event to turning into a fatal situation.

Key Largo Dive Center Students

Our students will be enrolled with DAN for the length of their course(s) with a complimentary policy. Once your course is completed, you will have the opportunity to continue your policy.

Primary Medical Insurance

Your primary medical insurance may exclude SCUBA diving as a hazardous recreational activity and/or may not provide coverage. If it does provide coverage, it may pay only a minimal amount for immediate first aid and may not cover recompression chamber treatment. Without DAN diver insurance there may be large out-of-pocket payments for deductibles and co-pays. These alone can total thousands of dollars.

Key Largo Dive Center Travel Club

Our travel club members are no strangers to dive insurance. Many resorts we book through require DAN Insurance or equivalent. By making the decision for all Key Largo Dive Center divers to have dive insurance, this streamlines the process when traveling to our dive adventure destinations.

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