If you dive regularly—especially if you travel to dive—getting dive insurance is one of the best investments you can make for your safety and peace of mind.

The Risks Are Real

Scuba diving is an incredible adventure, but it comes with inherent risks. No matter how conservative your dive profile is, how meticulously you check your gear, or how carefully you choose your dive shop, accidents can still happen. Being a responsible diver means taking all the necessary precautions—but sometimes, things just go wrong.

There are unexplained cases of Decompression Sickness (DCS) even when divers follow all the rules. Factors like undiagnosed medical conditions (e.g., PFO), strong currents, sudden gear failure, or plain bad luck can lead to emergencies. When that happens, having dive insurance can make all the difference.

My Personal Choice

I’ve been with DAN Insurance for years. Thankfully, I’ve never had to make a claim, but I’ve heard great feedback from those who have. The claims process is reportedly smooth, and their support is reliable—two things that are crucial when you’re in an emergency.

Of course, DAN isn’t the only option. Here are other dive insurance providers available in the Philippines:

✅ DiveAssure – Dive-specific coverage, including hyperbaric treatments.
✅ Pacific Cross – Comprehensive travel insurance with diving coverage.
✅ World Nomads – Popular among traveling divers, but coverage may vary.
✅ AXA Philippines – Travel insurance that may include diving, depending on the policy.

Make sure to double-check policies before purchasing, as coverage details can change. With some insurance providers, any form of accident or medical emergency that happens during a dive trip—even if it occurs on land—will also be covered. This is particularly useful for situations like boat-related injuries, slip-and-fall accidents at dive resorts, or other medical emergencies outside of actual dives.

Why Is Dive Insurance a Must?

If you suffer from DCS, you’ll need immediate medical attention, which may include:

Emergency evacuation – by land or air to the nearest medical facility.
Hyperbaric chamber treatment – essential for recovery.
Hospitalization and medical expenses – which can add up quickly.

Most dive insurance plans cover all these costs and even handle the logistics—all it takes is a single call to your provider.

The Cost of Protection

How much does dive insurance cost? Let’s break it down:

✔️ Annual premium: ~PHP 10,000–15,000 (depending on coverage).
❌ Hyperbaric chamber treatments: PHP 80,000–100,000 per session (you may need 3–5 sessions).

It’s a no-brainer—protect yourself without breaking the bank.

This isn’t a sponsored post. I’m not an agent or affiliate of DAN—just a fellow diver who cares about our safety.

Stay safe, dive responsibly, and make sure you’re covered!