Website design By BotEap.comWhen traveling to Asia, everyone recommends having travel insurance when you come, this is especially true for Cambodia, Vietnam and Thailand. Trying to find the right travel insurance plan can be a daunting exercise, especially if you are looking for adventure on your vacation travel diet, such as mountain hiking, skydiving, riding 50cc motorcycles, scuba diving, and small boating. Most specific vacation travel insurance plans will allow some limited adventure activities, such as 14 days of scuba diving, but they do have restrictions, and unless you’re an expert, there’s a good chance you could end up in a legal loophole and be denied . coverage.

Website design By BotEap.comIn the US, if you are employed and have group insurance through work, the coverage will more often cover high-risk things that won’t be covered by specialty travel insurance. Group work insurance companies can afford to do this, as the risk is spread across a much larger group, with more people in a class, and most of them won’t be doing fun stuff! So keeping your regular insurance when you travel, if you can, is a good idea. Most employers, if you are on a sabbatical, or just on a long vacation, will have a way for your insurance to continue if you pay the premiums. Talk to your HR department about this, they love to talk about things like this. If you lose your job, you can also continue insurance under the Cobra laws, a very good thing to keep a close eye on when you’re telling the boss to stay.

Website design By BotEap.comMost people in the diving industry will tell you that DAN Master Insurance or DAN Preferred plan are the preferred dive specific policies as they will cover you regardless of depth. These policies cover evacuations, recompression which can cost up to $25K and DAN knows where the recompression chambers are and the quickest way to get you there safely. DAN Insurance will also cover you while you’re vacationing more than 100 miles from home, this includes your evacuation coverage, so you might consider getting it even if you’re not a heavy diver. DAN understands the needs of divers better than a regular insurance company, as they are a non-profit organization dedicated to diver safety and dive research, and a dedicated 24 hour hotline and they can really save your life. life when you need expert help as they have doctors on the end of the line used to talk to people in emergencies all over the world and these DAN policies for the coverage they provide are very cheap for the value you will get . DAN Insurance is intended as secondary coverage, so keeping your work insurance current is a good idea. I have heard of scuba companies in the US who hire their instructors as independent contractors and tell them to get DAN insurance to avoid the workers’ compensation costs that are awarded to workers covered by the Jones Act.

Website design By BotEap.comCredit cards for insurance?

Website design By BotEap.comWe have seen people being refused time and time again by hospitals to accept travel insurance in South East Asia, especially Cambodia. Some of the major hospitals like Bumrangard in Bangkok do take it, but for most it’s cash only, and then they fill out the form. forms with you to get reimbursed by your insurance company which, as you can probably guess, will take a bit of time, and by the way, will usually require you to provide the translation as well, so please do that wherever you are here. , instead of taking it home with a surprise translation bill as well. I suggest everyone bring a credit card, with a high limit, and a pin number. Cash is the best thing to have by your side in an emergency, and a credit card is the safest way to carry it. Trust me, the best thing to do in an emergency is to get to Thailand or Singapore, and then return to your home country, or somewhere that understands dive medicine, as quickly as possible, and not having enough money on hand can slow you down. . Some credit cards have evacuation benefits if you are injured while traveling, they may also have some legal help.

Website design By BotEap.comSome higher end and specialized travel credit cards will sometimes also have some coverage for other travel related things which can be useful like replacing your stuff if you get ripped off, not a bad thing to check or consider when applying for a credit card. credit.

Website design By BotEap.comAt the end of the day, the best insurance is not to get hurt, so please keep your brain on and don’t drink too much alcohol. A lot of accidents happen under the influence of alcohol, make sure you are not one of them.