DAN Members, DAN Insurance, are you, do you?

[skeet]

DAN member, DAN O2, DAN marine life injuries, working on the new DAN cert.-DES, diving emergency specialist, and about to buy DAN insurance

 

[miketsp]

I've been researching the DAN website, but can't find a definite answer to this...

They reference family memberships, but do they offer family insurance coverage?

Or does each diving member have to get a separate policy?

--Marek

AFAIK Membership can be individual or family but the insurance is extra per individual.

 

[Mark Vlahos]

Yes, DAN Member.
Yes, DAN Insurance, Preferred.

I have used my membership by asking some medical advice. I read Alert Diver. I review dive accident information yearly (sobering).

I am a DAN O2 provider.

I have never needed the insurance, but if I do it is there.

Mark Vlahos

 

[ABQdiver]

Both divers in our family (daughter and I) have the Preferred plan. Would not dive with out it!! In general terms I hate insurance, but Dan's pricing and coverage are worth it to me.

 

[scubatwinned]

DAN family member, DAN Master Insurance, unfortunately. As I recently posted in the Whine & Cheeze forum, my world-wide insurance will not cover me for Cuba next week.
Next renewal I will have to look seriously at a European insurer.

Not the only place your world wide coverage is no good. I know that dan was refusing to cover places in the Pacific - Vanuatu for one - saying that the diving was to dangerous. When in fact Vanuatu had a better record per dive than the Barrier reef in Austrailia!! Just didn't want to use all the cash profits to actually do what diving insurance was and is being paid for. This situation may have changed in Vanuatu since the dive community organized because no dan coverage and got a chamber, I beleive in Port Villa now.
Did dan tell you or did you ask about the coverage in Cuba? Did they say why they will not cover you in Cuba? Communist?!? Did not Clinton open the doors to trade with the "C" word countries?? Where do you China think wal mart China gets its China products???
As one other has said they are not perfect but who is, I guess what I am saying is that there are alternatives that are just as good and should also be researched. Some travel insurance offered by your agents covers scuba and water sports, its a matter of asking, reading the coverage and comparing it with dan or whoever. One might be covered and not know it and go to dan or other insurers and be paying twice for the same thing.
Does dan cover the evac from Chuuk to Guam on all their policies?

 

[jonnythan]

Not the only place your world wide coverage is no good. I know that dan was refusing to cover places in the Pacific - Vanuatu for one - saying that the diving was to dangerous. When in fact Vanuatu had a better record per dive than the Barrier reef in Austrailia!! Just didn't want to use all the cash profits to actually do what diving insurance was and is being paid for. This situation may have changed in Vanuatu since the dive community organized because no dan coverage and got a chamber, I beleive in Port Villa now.
Did dan tell you or did you ask about the coverage in Cuba? Did they say why they will not cover you in Cuba? Communist?!? Did not Clinton open the doors to trade with the "C" word countries?? Where do you China think wal mart China gets its China products???
As one other has said they are not perfect but who is, I guess what I am saying is that there are alternatives that are just as good and should also be researched. Some travel insurance offered by your agents covers scuba and water sports, its a matter of asking, reading the coverage and comparing it with dan or whoever. One might be covered and not know it and go to dan or other insurers and be paying twice for the same thing.
Does dan cover the evac from Chuuk to Guam on all their policies?

I'd guess Cuba was not covered because American companies are not allowed to do business with Cuba, and that probably includes paying insurance claims to hospitals.

 

[FatCat]

Not the only place your world wide coverage is no good. I know that dan was refusing to cover places in the Pacific - Vanuatu for one - saying that the diving was to dangerous. When in fact Vanuatu had a better record per dive than the Barrier reef in Austrailia!! Just didn't want to use all the cash profits to actually do what diving insurance was and is being paid for. This situation may have changed in Vanuatu since the dive community organized because no dan coverage and got a chamber, I beleive in Port Villa now.
Did dan tell you or did you ask about the coverage in Cuba? Did they say why they will not cover you in Cuba? Communist?!? Did not Clinton open the doors to trade with the "C" word countries?? Where do you China think wal mart China gets its China products???
As one other has said they are not perfect but who is, I guess what I am saying is that there are alternatives that are just as good and should also be researched. Some travel insurance offered by your agents covers scuba and water sports, its a matter of asking, reading the coverage and comparing it with dan or whoever. One might be covered and not know it and go to dan or other insurers and be paying twice for the same thing.
Does dan cover the evac from Chuuk to Guam on all their policies?

Remember to make the distinction between DAN Europe and the other DAN "subsidiaries". The insurance policies offered through DAN Europe do not exclude Cuba or any other part of the world, with the exception of the standard "armed conflict" clause.

Remember: Europe has not declared embargo on Cuba. For US-based DAN members, DAN has no choice. Its insurance carrier is under legal obligation NOT to provide coverage for Cuba.

As they say: don't shoot the pianist...

 

[simbrooks]

Firstly, lets keep it down about the political talk in here.

Maybe there's a distortion here in that SB members tend to be enthusiastic regular divers but I'd say that when I go to tourist areas, many once or twice a year divers ask what my DAN tags are for and seem surprised when I say I have dive insurance.
I'd be curious to hear from Instructors or DMs in Coz or similar places as to what % of divers on holiday trips carry specific dive insurance.
Many tourists think that the general holiday insurance they bought for 2 weeks will cover them for everything. They never see the fine print.
I looked into this, this week, because as I said earlier I'm going to Cuba tomorrow and DAN USA will not cover me. However as part of the packet there is a "holiday" insurance deal which cost US$38 for the week. The version of the contract they gave me does not exclude diving but there is a tiny last line which refers to a "full" version of the contract available "on request". So I requested it and of course, you guessed it - scuba is excluded from the coverage.

How many of these folks actually were clued in about such services in their training? There are plenty of things you average diver out there doesnt seem to know, i have found most folks on here either know a bunch or are striving to know more about diving.

As for the original question - member and prefered, was master last year, but thought i might upgrade to the just in case coverage and unlimited lifetime stuff thats in the "best" package. I will also suggest it to my new, soon to be OW diver GF, probably only master for now.

 

[chris_m]

I've been meaning to have a word with my instructor about this topic... but am too ill at the moment to book my advance course so havent got round to it, and would probably get just / if not better more rounded answer from you guys

I'm opting to go for DAN insurance as it def seems to be the way to go.

But whats the difference between just being a member and having DAN insurance?

just being a member gives me 24-Hour DAN TravelAssist, so what doesnt this cover? Or what does the inscurance cover that TravelAssist doesn't? I've checked DAN's website but it's whizzing straight over my head at the mo!

I'm in the UK if that makes any difference?

Sorry if this should be in it's own thread, just let me know and i'll move it

 

[eponym]

I'm opting to go for DAN insurance as it def seems to be the way to go. But whats the difference between just being a member and having DAN insurance? Just being a member gives me 24-Hour DAN TravelAssist, so what doesnt this cover? Or what does the insurance cover that TravelAssist doesn't? I've checked DAN's website but it's whizzing straight over my head at the mo! I'm in the UK if that makes any difference? Sorry if this should be in it's own thread, just let me know and i'll move it

I'm in the US (left the UK in the early '70s and may I say I liked the health care system then in place), but I can start you off with the short answer.

DAN membership will pay for emergency evacuation after an accident, to the closest appropriate treatment center. It also pays for medical expenses directly connected with (incurred during) the evacuation process.

Other assistance you receive as a member includes advice and consultation, making care and travel arrangements, relaying messages, and cash advances for hospital and other medical care, even bail.

But if you need medical care once you've reached a hospital or a chamber, your membership doesn't pay for it. The DAN diving insurance policies cover this. The Preferred policy covers care for non-diving-related accidents as well.

Finally, while the Preferred plan covers diving vacation interruption and loss of gear during an accident, it doesn't cover gear while travelling, nor trip interruption for non-diving trips. For those, DAN offers Equipment Insurance and Trip Cancellation/Interruption Insurance, respectively.

Please tell me if that's not as clear as I think it is . . .

-Bryan