Dive Insurance — offered by companies like DAN or DiveAssure — focuses primarily on underwater medical emergencies such as decompression illness, chamber treatment, or equipment-related accidents.
Smarter Travel Insurance, on the other hand, offers a complete travel protection package — including diving coverage (up to 40 meters for certified divers) plus high-limit trip cancellation (up to $100,000), baggage protection, medical evacuation, and CFAR flexibility.
For travelers who dive occasionally during a charter but want total trip protection — not just accident response — comprehensive travel insurance provides a far more versatile safeguard.

Yes. Coverage applies to both privately owned yachts and professionally operated charters. You can insure your full trip value — including charter deposits, flights, onboard catering, and pre-/post-stay hotels — under one policy.

Yes. Crew and onboard staff such as chefs, dive masters, and stewards can be insured under either a group plan or individual coverage, depending on their contract. Some policies (e.g., IMG or Auras) allow you to include non-family employees if they travel as part of the same itinerary.

You’re covered for cancellation or interruption if storms, hurricanes, or mechanical breakdowns make the yacht unsafe or unavailable for travel. CFAR (Cancel For Any Reason) upgrades also provide reimbursement even if you choose to postpone for personal preference or schedule changes.

Yes — most plans cover recreational diving up to 40 meters, along with snorkeling, paddleboarding, and other supervised activities. Professional or competitive diving may require extended coverage through Auras or a combined plan with IMG Global.

Absolutely. Trip cancellation protection can cover up to $100,000 USD in non-refundable payments, including deposits for charter vessels, catering, transfers, and hotels. It’s best to insure the entire trip value once your first deposit is made.

Yes. All Smarter Travel Insurance plans include global medical evacuation, ensuring that you or your guests can be transported to the nearest capable hospital or back home if needed. Combined IMG + Global Rescue plans also offer field rescue and onboard coordination for offshore emergencies.

Yes — as long as your policy has not yet expired, you may apply for an extension while abroad. This is especially useful for travelers extending their charters or combining multiple trips in one season.

Yes. Smarter Travel Insurance works with global partners who provide coverage for residents of over 140 countries, including the U.S., Canada, Australia, UK, New Zealand, and the EU. Coverage benefits are tailored by region.

Unlike single-purpose marine or dive insurers, we provide comprehensive protection for the entire trip — not just one aspect. With high trip-cancellation limits, flexible CFAR options, and 24/7 global assistance, our policies protect you from the moment you book until you disembark. Whether you’re hosting guests, managing crew, or enjoying a once-in-a-lifetime voyage, Smarter Travel Insurance ensures your peace of mind follows you wherever the sea leads.