I purchased a 12 dive insurance policy through Aquamed's Dive Card Basic product and whilst I cannot comment on the actual insurance (As I had no need to use it), I have found the company very difficult to deal with.
The company is based in Germany and it's practices are apparently based on German standards and not those common in the UK. When you purchase the card, for 12 months, you are actually entering into an ongoing policy which is renewed every year. Unlike the UK, the renewal is automatic and without reminder and if you want to leave you must give 2 weeks notice prior to the end of your term otherwise they will charge you in full.
Having had long conversations with their customer services representatives, they are not at all forgiving and hide behind the 'you signed the contract' and 'it's German law/practices'. If you pay on a debit card, they also keep all the card data on hand to take money from your account without requiring any further permission from you.
Aquamed's stance of hiding behind contract law etc, would not now fill me with any kind of confidence with regards to how they would deal with any potential claim and therefore, I will not be staying with them past my contractually obliged second year.
If you do decide to opt for their service, I would advise you to read all the T' & C's in details and call them to question anything you are unsure of or find ambiguous. I would also mark your next years calendar with the renewal date so that you don't get caught out.
Personally, I would stay clear and use a different provider.
Review by Yazvac1 year ago
WARNING ALL INSTRUCTORS!! HOLY SCAM!!! AQUAMED LEFT ME IN THAILAND TO DIE!!!
I have been an instructor for years and Never had a Problem with DAN insurance..
AquaMed is the WORST EVER! I got severely hurt in Thailand and was needing emergency surgery. Aquamed found some crazy loophole way to get out of helping me even though I was paying them to insure me!
It is only by the grace of God and a lot of luck that I survived. I would not buy this insurance if my life depended on it.... because it did and they found a way out instead of doing what I paid for.
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