Wow. My reaction is the exact opposite of the sentiment that I'm getting from the replies above.
DAN acknowledges *several* 'deviations from SOP' in this case, or requirements that clearly worked against the victim either by them or their selected transportation provider (for which they bear the ultimate responsibility):
* Failing to find a transport, when the local staff *were* able to.
* Insisting on unnecessary paperwork during an emergency while suffering from a DCI!
* Paying for everything out of pocket. Reimbursing is *not* nearly enough, because most people couldn't come out of pocket immediately with $50,000 on a credit card -- and DAN acknowledges that.
Those are just the items that DAN states that they will change in the future.
I haven't seen any of the original claims, and I don't really need to. I'm just going by DAN's own statement. And I find those admissions unsettling to say the least.
If this had happened to me, there's a very good chance I would have been seriously injured or even dead because of those obstacles, not least because I wouldn't have the resources to overcome the obstacles.
DAN has stated that they will make changes to improve this. But some of those changes are not actually changes, but expectations that they actually do what their SOP says they should do. If they couldn't follow the old SOP, why would we be confident that they will follow their improved SOP in the future?
I really do hope DAN uses this opportunity to improve to actually improve -- and that it sticks for longer than the attention of a YouTube video brought to it. Because my life may depend on it.
But that's also a reminder about the nature of any insurance. As a victim, you sit *across* the table from the insurance company. They do not have an incentive to be generous. That doesn't mean that they *will* be evil: I've been in three car accidents with significant or total loss to my vehicle, and my car insurance company was both easy to work with and more generous than I had expected in the moment. But you can't necessarily expect an insurance company for example to fight hard to find a more expensive solution that they don't already know about. Unfortunately, in the end, no one cares about your life more than you do: sometimes you have to advocate for yourself even when someone else might be expected to on your behalf.
Unfortunately, the biggest question I have is: what is the alternative? I don't know of another service that offers the protection that DAN (nominally) offers. So even though I may not be as confident that they will do the right thing, it's still better than the alternative of not having *any* protection. And I'm sure there are a number of people for whom their experience with DAN was only beneficial. Even so, I will be looking for such alternatives myself. Does anyone have any suggestions?