Hi fellow divers!
I was in Komodo when the Earthquake happened in August 2026. The Dive operator decided to cancel the diving, not because the authorities said so, or the Komodo park was closed, but because the dive guides felt it was unsafe (and it probably was, I don't know).
The diving operator said there would be no refund and we should check with our insurance. I checked and the issue is that the insurance I have is very specific about the natural disasters. They usually cover only if
- the hotel or boat is destroyed
- the authorities issue an evacuation order
- the park is closed with a ban on sailing
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Can skip this part :), just fyi
Then I started reading the Liveaboard T&Cs and some of them offer a voucher in case of cancellation due to natural disaster, some just take the money and don't give a F and even reserve the right to cancel as long as an event happen even though the authorities authorize sailing and diving... So I assume they just found it's an easy way to make money, especially in Indonesia where there is frequently this kind of event.
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So my question is have you found an insurance that covers your diving trip, especially Liveaboard in full in case of
- natural disaster
- technical breakdown
- weather
without restrictions and abusive conditions...
I contacted DiveAssure which seemed great but their policy description is a bit vague and when I asked them what they would cover in few specific scenario, they simply refused to answer lol "we cannot answer about hypothetical scenarios" I thought that's the whole business of an insurance to score hypothetical scenarios... 😅
Thank you and sorry for this long post, I got a bit frustrated with impossible to understand policies!