Mike126
Contributor
In past years I have only had the basic DAN accident insurance. Now that I am getting older I was thinking I should increase my coverage. Currently there are 3 levels and I would consider either Guardian ($125/yr) or Preferred ($75/yr). The difference is Guardian provides 2x the coverage on the accident related costs over Preferred. Guardian also adds other coverage for additional transportation costs and non-Scuba related water activities. I have one big trip planned to Turks with the family and will do local quarry dives for the rest of my dive season.
Just curious as to what others are doing and if there is an average cost per accident for DCS or other higher level care issues.
Also, I was thinking about coverage for my teenage boys but not sure if they need Guardian or will Preferred be appropriate? They are non divers (for now) but they are taking the resort course on our trip.
My insurance company (Aetna) does not cover dive related accidents....
Just curious as to what others are doing and if there is an average cost per accident for DCS or other higher level care issues.
Also, I was thinking about coverage for my teenage boys but not sure if they need Guardian or will Preferred be appropriate? They are non divers (for now) but they are taking the resort course on our trip.
My insurance company (Aetna) does not cover dive related accidents....