We have insurance ,but even that we strongly recommend every diver to have a scuba diving insurance such as Divers Alert Network (DAN). That for us is the best company in divers industry. This insurance should be secured before your arrival to Cancun. Click here to join DAN or to check it out DAN have more than 40 years on the market ,is safe , good and affordable as we said in Mexico the 3 "BBB" Bueno ,Bonito ,Barato"