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You need two types of coverage for a Komodo dive trip: general travel insurance and dive-specific insurance. Here is how to ensure you are fully protected.
| Coverage Type | What It Covers | Minimum Recommended |
|---|---|---|
| Dive accident insurance (DAN) | Hyperbaric treatment, dive-related medical costs, evacuation, S&R | DAN annual membership (~$75 USD) |
| General travel insurance | Trip cancellation, medical expenses, luggage, flight delays | Policy covering Indonesia with medical evacuation |
| Medical evacuation | Air ambulance from Labuan Bajo to Bali or home country | Minimum $100,000 evacuation coverage |
DAN annual membership + general travel insurance = comprehensive coverage. DAN provides gold-standard dive accident coverage including instant hyperbaric chamber admission, while general travel insurance covers everything else (trip cancellation, non-dive medical issues, luggage, delays).
| Emergency | Cost Without Insurance |
|---|---|
| Single hyperbaric session | $1,000–5,000 |
| Multi-day DCS treatment | $10,000–50,000+ |
| Air ambulance to Bali | $10,000–30,000+ |
| International medical evacuation | $50,000–100,000+ |
Annual DAN membership costs approximately $75 USD — a fraction of a single hyperbaric session. There is no rational reason to dive Komodo without insurance.
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