Standard travel insurance frequently excludes scuba diving, decompression illness, and medical evacuation by boat or aircraft — exactly the scenarios described above. Travel insurance for Raja Ampat liveaboard diving should specifically include a diving/DCS rider (through a diving-specific insurer such as DAN, or a comparable provider) plus emergency medical evacuation cover with a sum insured sufficient for transfer and, where needed, hyperbaric treatment or repatriation. This is general guidance, not personalized financial or insurance advice: confirm exact terms, exclusions, and sums insured directly with your chosen insurer as of 2026, and carry proof of coverage onboard, since crew will typically ask to see it before your first dive.