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Couple detained in Cozumel until chamber bill paid
- Thread starter DandyDon
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Efka76
Contributor
Why do you need 2 insurance policies. 1 Policy (DiveAssure / DAN / Aquamed) is sufficient. When i looked at DAN Europe for me DAN Sport Silver was looking really ok. Regarding Aquamed - read their insurance policies and various reviews. From first sight everything might be very nice but people might have bad experience with insurance company. Insurance company reputation is also very important.
pjhansman
Contributor
My wife experienced an immersion pulmonary edema last year in Coz. Expenses were 100% covered by DAN.
I figure that pretty much pays me back for the 8 years of premiums....with great interest.
Everyone has to decide for themselves what risks they are willing to take. Make sure you choose wisely.
I figure that pretty much pays me back for the 8 years of premiums....with great interest.
Everyone has to decide for themselves what risks they are willing to take. Make sure you choose wisely.
I have not got any emergency or encounter one yet.
But this is what I was told by divers.
Call within a short time both Marine Rescue - EMS and DAN
DAN will directly deal with EMS to send victim to appropriate hospital and deal with hyperbar doctors etc etc
Now if it's not vital emergency (if you are not litterally dying cardiac arrest or other things) call DAN to know what to do and not EMS (like if you have a pain/bend few hours later).
WoW I really hope I was not told wrong infos
Currently reading this article : Alert Diver | Who to Call First: DAN or EMS?
It's too late in my country to call my work insurance and health care but except DAN insurance I have no clue if my work insurance would cover scuba diving / extrem sport.
grantwiscour
Contributor
+1 to having Dive Insurance. My wife and I have the Family Plan with DAN and have never had to use it. This past January we were diving with a friend south of Kona who used his DAN insurance. After a dive but still on the rocky shore area he fell in the water and onto the boulders in the water sustaining cracked vertebrae and a gash in his head.
DAN was very beneficial throughout his ordeal.
DAN was very beneficial throughout his ordeal.
If you don't mind me asking, what was the cost of treatment? If you'd rather not say, no worries.
Dogbowl
Contributor
I know Dive Assure is a younger insurance product than DAN but I’m uncomfortable relying on a product with no user reviews/experiences (that I am aware of). Every time we hear about someone successfully claiming dive insurance, it’s always with repect to DAN.
Even on various Here / Other forums / FB Group / Reddit / Dive Instructors I have the feeling that only DAN are recommanded and truely competent and do successfuly deal right. Other insurances/comments I don't know if you can trust 100% cause in anycase you can not request paper proofs if the story is true or not.
And I would trust more a reputable dive instructor/dive shop who might have some previous experiences with diving insurance than a 'regular' online nickname.
Dogbowl
Contributor
That is why I have not purchased Dive Assure yet, although I’m often tempted because Dive Assure coverage looks really good on paper, including LOB coverage. I have requested a copy of the policy documents, but something didn't sit right with me about it. If I read successful claim stories on here or Undercurrent.org, I’d feel more comfortable with it.
Update: I now recall one of the reasons I felt uncomfortable about the Dive Assure policy. The insurer is a European company, GBG Insurance Ltd., based in Guernsey. The policy states that:
"The proper Law and Jurisdiction governing this insurance shall be the administered in the Courts of the European Union and its Courts."
So, if there was ever a dispute with the company that needed to be resolved in Court, it would need to be resolved in Europe.
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Honestly I was not even a diver that I got (fast) reply from DAN support by email.
And this is the first sign if a company is reliable or not. How fast and How serious they reply to you ?
Now I don't get what is a Primary insurance exactly- is it the Universal Health Care System ?
And this is the first sign if a company is reliable or not. How fast and How serious they reply to you ?
Now I don't get what is a Primary insurance exactly- is it the Universal Health Care System ?
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