DAN Insurance thoughts on your choices

[Texasguy]

Am I correct (reading DAN's terms at https://www.diversalertnetwork.org/files/handbook.pdf ) that their insurance covers only accidents that happen 50 miles from your permanent address as listed with DAN on your membership? That is, if you do local dives that are like 30 miles away, you are not covered?

 

[FuAn]

Am I correct (reading DAN's terms at https://www.diversalertnetwork.org/files/handbook.pdf ) that their insurance covers only accidents that happen 50 miles from your permanent address as listed with DAN on your membership? That is, if you do local dives that are like 30 miles away, you are not covered?

I read it like this only applies to the Travel Assist and evacuation part... ? But again I'm puzzled with this whole insurance system anyway ;-)

 

[Texasguy]

So, what is evacuation? Is heli ride to a chamber considered evacuation?

 

[blue steal]

It would be nice if someone from DAN could come on scubaboard and answer some of these questions.
I have just moved up from the master to the preferred plan.

 

[FuAn]

So this is what you get as a US resident if you sign insurance with DAN Europe EUR 82,- is around USD 91,- and this is imho by far more than DAN US has to offer... at least for some states... the PRO insurance differs slightly in equipment loss and disability coverage.
There are also attractive Family Memberships available! i.e 1 pro member and up to 3 family member as sport member for just EUR 183,88


Insurance coverage of diving emergencies is valid all year round, worldwide
For more detailed information, select the items listed below.

Diving emergency

What is covered	Sport Member
Alarm Center and management of medical emergencies 24/7	Included
Emergency medical evacuation	Total cost
Worldwide emergency medical treatment (including home country). Hyperbaric therapy and hospitalization included	Total cost
Repatriation of the convalescing diver
Specialized medical treatment, including rehabilitation and post - traumatic stress treatment, up to 30 days from date of incident	Total cost
Daily allowance for hospital stay during therapy	€ 50,00
Loss or damage of own or rescuers' diving equipment, only following an indemnifiable own or 3rd party diving accident	€ 1.500,00
Extra hotel & travel costs following a diving accident	Up to € 5.000,00 (injured member only)
Permanent disability	€ 50.000,00
Any prosthesis necessary after an insured injury	€ 1.000,00
Search & rescue of the missing diver (cave diving included)	€ 10.000,00
Death	€ 6.000,00
Repatriation of the deceased	Total cost

Non diving emergency abroad

What is covered	Sport Member
Maximum number of insured travelling days - per trip, per year	90 days
Emergency medical evacuation	Total cost
Medical & hospitalization costs for unexpected illness or injury abroad
Alarm Center and management of medical emergencies 24/7	Included
Continued specialized medical contact with local medical personnel	Included
First medical assessment costs, even w/out hospitalization	Total cost
Medical expenses for inpatient care, irrespective of number of days in care	€ 15.000,00
Medical expenses for outpatient care	€ 500,00
Medical repatriation	Total cost
Repatriation of the deceased	Total cost
Travel assistance
Roundtrip travel ticket for one person to reach the insured in case of hospitalization	€ 2.500,00
Escorted return of minor children	€ 5.000,00
Additional return expenses for the insured and / or travel companion	€ 2.000,00
Pre-trip information: visas, vaccinations, etc.	Included
Interpretation assistance	Included

Travel no-limits

	Sport Member
Extend your travel cover to 365 days for non-diving related medical emergency and travel assistance abroad *	€ 295,00

Annual membership fee


Please read carefully the insurance policy. The insurance company is International Diving Assurance (IDA) Ltd. The plans are distributed by DAN Europe Insurance Brokers (DEIB) Ltd. Both companies are subsidiaries of DAN Europe Group & are duly authorized/regulated by the Malta Financial Services Authority (MFSA).

Please select plan and country in the boxes below in order to calculate taxes​

Country of residence - Select a country - United States
Selected plan - Select a plan - DAN Sport Member

Optional benefits
Benefits for you

	Death Extension € 25.000,00 (Technical diving excluded)
	Death Extension € 50.000,00 (Technical diving excluded)
	Standard travel insurance (90 days)
	Travel No-Limits: travel insurance extended to 365 days

[COLOR=#FF9933 !important]Benefits for your family[/COLOR]

	Travel No-Limits: 365-day travel insurance for up to 3 non-diving family members
	90-day Travel insurance for up to 3 non-diving family members
	90-day Travel insurance for up to 6 non-diving family members
	Travel No-Limits: 365-day travel insurance for up to 6 non-diving family members

Please choose the currency Euro​

[COLOR=#FF9933 !important]Plan fees[/COLOR]

Total premium	€ 35,00
Country tax	€ 3,85
Emergency medical servicing	€ 19,00
DAN Membership Services	€ 10,00
DAN Membership Benefits	€ 15,00
Total cost:	€ 82,85

 

[seeker242]

So the insurance fee is a one time annual fee? Here the Guardian is $125. That's $125 per year? Or per month? If it's per year, that's pretty darn cheap!

 

[FuAn]

Per year!


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[Lopez116]

Am I correct (reading DAN's terms at https://www.diversalertnetwork.org/files/handbook.pdf ) that their insurance covers only accidents that happen 50 miles from your permanent address as listed with DAN on your membership? That is, if you do local dives that are like 30 miles away, you are not covered?

No. This applies to the evacuation coverage under Travel Assist only (not the Dive Accident Insurance). DAN will pay for the cost of evac up to $100k starting at least 50 miles from your home.

The 50 mile radius requirement also rears its head in the Dive Accident Insurance portion coverage with regard to non-diving accidents. (Yes, a bit circular, but that's every insurance policy).

 

[DiverDownD3]

I did a 3 tank dive shortly after my OW and forgot to purchase DAN before I went. I remember thinking to myself as I was getting ready to do my backroll "I hope nothing goes wrong today, because if I live my wife is going to kill me anyway"...lol Luckily nothing happened, but I purchased it as soon as I got home that night. It's really pennies in grand scheme of how much money you invest into scuba diving.

 

[kmurray719]

Sold. Air evacuation isn't a far-fetched notion at all if you're diving anywhere off the beaten path, which is probably most of us at one time or another. I've been at the Master level all these years and that suddenly seems like such a dumb choice, considering. I'm upgrading to Guardian since I've got a liveaboard trip coming in a couple months. Thanks for making me think.

It's not only when it's remote that they air evac. I have a friend who got airlifted from the shore to the city (probably 10 miles by land) because it was a holiday and there were parades and traffic and they didn't want to delay treatment.