DAN Accident Insurance

[KeithG]

You may need to dig deeper to get the complete answer. My insurance provider (not DAN) covers any type of dive for which you have already been trained for...

This means it does not cover training dives that exceed your current level of certification. Simplest example is that a Discover Scuba course is only covered if you are already certified.

 

[Altamira]

You really need to download and thoroughly read the DAN handbook for the state in which you reside. The available coverage and specific wording on covered dives appears to be different for some states compared to the rest. For example, my policy as a Texas resident states the following:

"Covered Dive means a recreational dive or diving while a scuba instructor, divemaster, underwater photographer, or while performing research under the auspices and following the diving safety guidelines of the American Academy of Underwater Scientists (AAUS). A dive begins upon entry into the water and ends upon exit from the water. A Covered Dive must begin while Insurance is in force. Covered Diving Accident means DCI as a result of a Covered Dive within the 130-foot (40-meter) limit. Preferred and Master Plans only, it means DCI or any Injury as the result of a Covered Dive, regardless of the depth."

Since I only do recreational dives, I did not check into whether or not a tech dive would be covered, but if I did engage in tech dives, I sure as hell would get written verification from DAN that my specific dive profiles would be covered. I sure would not want to find out that I really was not covered when I thought that I was.

 

[Dogbowl]

I think for something as serious as dive insurance, you might be able to get some very good guidance on forums such as this, but you really need to do some legwork yourself to get the answer that applies to your specific situation.

As others have mentioned above:

1) Read the handbook that applies to your state;
2) Get clarification from DAN where things are unclear; and
3) Get written verification from DAN where appropriate.

 

[KevinNM]

Since I only do recreational dives, I did not check into whether or not a tech dive would be covered, but if I did engage in tech dives, I sure as hell would get written verification from DAN that my specific dive profiles would be covered. I sure would not want to find out that I really was not covered when I thought that I was.

I suspect that "recreational dive" means "not a commercial dive" in this context.

 

[Dogbowl]

I suspect that "recreational dive" means "not a commercial dive" in this context.

I suspect the same. But I would also get that in writing.

 

[Altamira]

When dealing with an insurance company, even one as good as DAN, I would avoid such thoughts or practices as "I suspect or assume." Remember who hires the lawyers to write the policies, and who the policies are written for to provide the most top cover--it sure isn't you.

 

[Bratface]

Check Dive Assure's website. It's a primary insurance and it's has no depth limit, covers gear that is lost on a dive and other benefits. I once had to file a claim which was very easy to do and no hassle about getting reimbursed. They are connected to Duke Dive medicine in Durham, NC. (DAN's headquarters are in the same location). I've used them for over 10 years when i travel.

 

[Beau640]

Anyone able to figure this out? Curious if there's actually a depth limit. Some sources say no for DAN insurance, some say yes, and some say you have to submit a dive plan first.

 

[Chip Elliott]

Check Dive Assure's website. It's a primary insurance and it's has no depth limit, covers gear that is lost on a dive and other benefits. I once had to file a claim which was very easy to do and no hassle about getting reimbursed. They are connected to Duke Dive medicine in Durham, NC. (DAN's headquarters are in the same location). I've used them for over 10 years when i travel.

Dive Assure is not available in Connecticut.

 

[admikar]

Dan insurance in Europe is as follows:Sport member have no depth limit, providing you have appropriate training (sport member is non-pro diving, technical is non-pro).
Maximum O2 is 1,6 ATA and maximum N is 5,6ATA. Nitrox is included.
Technical is with Trimix or Heliox up to 130 m depth, with maximum of 1,6 O2 and 3,95 N pressure. Dives of more than 130 m needs to be submitted for prior approval.
Travel insurance up to 90 days per year.
There is a 40 m limit for Sport member bronze, but I don't know what that is, since I didn't have that option when I bought my insurance.