If the OP is looking for stories re DAN insurance, here is my tale-copied from an earlier SB post (sorry if it contains info already mentioned in earlier posts in this thread.):
I have had to use my DAN insurance, (I have the Preferred plan) and was very pleased with the entire process.
Be aware that the DAN insurance policy is a "secondary insurance". That is, it "kicks in" after your regular health insurance has paid for whatever it ( the primary) covers.
In 2004, I had an incident of DCS2 while in Grand Cayman. I had to pay, by credit card, both the hospital fees and the separate chamber fee. Neither accepted insurance. I'm not sure if that policy applies in all hospitals/chambers or just the one I happen to be at. We were in contact with the folks at DAN-insurance and otherwise-and both were great. They were very concerned and supportive.
When I arrived home I filed papers with my primary health insurance carrier.
They paid the majority of the medical bills, including $15,000 worth of "chamber rides".
(I have been told by other divers that DAN would pay for these costs even if my primary did not.)
After receiving that payment, I submitted uncovered bills, etc., to the DAN insurance people (The actual policy was from an insurance company who has an agreement with DAN). The paperwork seemed less noxious than typical insurance paperwork, and the service was very good.
That policy reimbursed me for:
Some medical costs not covered by my primary insurance carrier.
The cost of two plane tickets home, when we could not reschedule on our original airline.
The cost of shipping the home all our luggage, including dive gear, as I had written orders from the doctor to not carry, drag, or lift anything for two week period.
Most of the cost of three additional nights stay at the hotel, also the result of written orders from the doctor. The three days were required for more medical treatment, and to get medically cleared to fly.
The reimbursement for these items totaled approximately $2700.
As a result of this experience, I would never be without the DAN insurance.
I give that product my highest endorsement, while hoping you never have to use it.
