DAN insurance necessary for residents?
- Thread starter DrGonzo
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I believe it pays for ambulance/evacuation, which may not be covered by your provincial insurance, and your provincial insurance may not cover every cost associated with treatment (some treatments can
take weeks or months, and accommodation, etc won't be covered by your provincial insurance but I believe they are covered by DAN.)
Also if you're from Quebec, they don't participate in the national reciprocal billing agreement. So outside of Quebec, for all intents and purposes, you don't have health care coverage.
Stoo
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Having had recent first-hand experience with DAN in Quebec, I can tell you that there is more incorrect information in this thread than correct...
Last summer, Mrs. Stoo had her leg badly broken while on a dive shop RHIB in Percé. (Poor driving led to airborne passengers... one of whom knocked her down, then landed on her...)
Because it happened on a dive boat, DAN Insurance kicked in. Their contribution was to fly a nurse to us a week after her surgery in Gaspé. They provided three seats for Mrs. Stoo on two return flights, plus one for the nurse to escort her to Toronto. (We had driven down, so I left the night before and beat them home by a few hours). We have nothing but good things to say about them.
However, they did not cover things like Ambulance. They are considered to be a secondary insurer so pick up costs after primary insurers. If you were otherwise uninsured, they might cover it. In our case, her group work insurance covered incidentals like the ambulance rides.
As for the Provincial Coverage, they happily took her OHIP card at the hospital and that was it. No issue at all. That was her experience in Alberta years ago when she busted her other leg skiing. Ugh.
Leaving your province without additional coverage is risky in my opinion.... those flights and the nurse were valued at about $8000 and that was a pretty simple exercise. Provincial Health Plans tend to cover the basics, but not the extras.
What is difficult if not impossible to insure are the hidden costs. Because Mrs. Stoo was essentially confined to bed for close to three months, I had to take a serious amount of time off of work to tend to her. Her time off work was covered by her sick benefits. My time off resulted in a significant loss of income. We also needed to make some changes to our home in order to help with her recovery.She returned to work part time after four months, and then full time after about 5 months.
It is not a pleasant experience and when I read about people who are seriously injured in accidents, I can't imagine the life-altering events that follow.
Last summer, Mrs. Stoo had her leg badly broken while on a dive shop RHIB in Percé. (Poor driving led to airborne passengers... one of whom knocked her down, then landed on her...)
Because it happened on a dive boat, DAN Insurance kicked in. Their contribution was to fly a nurse to us a week after her surgery in Gaspé. They provided three seats for Mrs. Stoo on two return flights, plus one for the nurse to escort her to Toronto. (We had driven down, so I left the night before and beat them home by a few hours). We have nothing but good things to say about them.
However, they did not cover things like Ambulance. They are considered to be a secondary insurer so pick up costs after primary insurers. If you were otherwise uninsured, they might cover it. In our case, her group work insurance covered incidentals like the ambulance rides.
As for the Provincial Coverage, they happily took her OHIP card at the hospital and that was it. No issue at all. That was her experience in Alberta years ago when she busted her other leg skiing. Ugh.
Leaving your province without additional coverage is risky in my opinion.... those flights and the nurse were valued at about $8000 and that was a pretty simple exercise. Provincial Health Plans tend to cover the basics, but not the extras.
What is difficult if not impossible to insure are the hidden costs. Because Mrs. Stoo was essentially confined to bed for close to three months, I had to take a serious amount of time off of work to tend to her. Her time off work was covered by her sick benefits. My time off resulted in a significant loss of income. We also needed to make some changes to our home in order to help with her recovery.She returned to work part time after four months, and then full time after about 5 months.
It is not a pleasant experience and when I read about people who are seriously injured in accidents, I can't imagine the life-altering events that follow.
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