DAN vs. DiveAssure (or, why does everyone seem to love DAN so much?)

[Divin'Papaw]

Oh no...something entirely different. You couldn't be more wrong. Naive implies not knowing. I know all too well that there are unscrupulous folks in the world. Some people do bad things, & some folks accept bad behaviour. My reaction has much more to do with wanting...or even expecting... or maybe hoping is a better word...for good morals and ethics. I know all too well that different folks accept different levels and have different understandings of right and wrong...and some folks accept poor ethics

And yes, I fully assume that DAN, as a collective, probably didn't design what's posted there... and a lot of them wouldn't even condone it. It's more than likely a result of the algorithms, many many layers of marketing folks clicking boxes, etc.
But that said, it doesn't make it right.

You're really over thinking the search thing. But we've bantered about it enough. Let's move on.

 

[Divin'Papaw]

and on another note...
The reason I'm interested in this thread.
Getting back into diving, and bringing my family along.
So thinking about insurance coverage for our upcoming dive trip (and for future potential dives)

So I asked my insurance guy at work to confirm if there are any exclusions for SCUBA or hyperbaric therapy.
The answer is that there are no exclusions and chamber rides are specifically covered for a long list of things. SCUBA isn't mentioned, but embolisms are on the list

This insurance I get through work isn't the best.... It's only in network in my home state of FL and doesn't have good coverage for out-of-network docs. It covers emergencies out of state, but not non-emergent stuff...so that opens up a HUGE grey area for a lot of things.
But it seems that I don't absolutely need dive insurance in the state of FL, and probably don't need it out of state...but there may be a need to pay for transport to get to a network provider and other hassles where it might be helpful.

I'm thinking that where I would absolutely want supplemental dive insurance is international travel.
And probably also if/when we start doing more challenging and deeper diving

DAN is supplemental to whatever primarily insurance you have. They will pick up what yours doesn't cover.

I have pretty solid insurance through work but I still carry DAN. If I were to ever have an accident, beyond deductibles and copays, I fully expect my health insurance would not cover some of the expenses of dealing with a dive accident. It is comforting to know that I have DAN insurance to use as a supplement.

Whether you get DAN, DiveAssure, or something else, I would highly recommend something. Many charters are now asking if you have dive accident insurance and even recording your number. I know Pura Vida does this.

 

[Jcp2]

DAN covers you incountry as long as your dive is more than 50 miles from where you live.

In the US, as already mentioned earlier, domestic coverage varies by each states own regulations around insurance.

My employer provided medical insurance is relatively geographically restricted, even within the country, so I’ve been in the habit of always having travel medical insurance, whether I dive or not, and whether I stay in country or not. It seems absurd to people from other countries, but this is the system I live in.

 

[MB NZ]

When I've wanted specific dive insurance, I've always gone with DAN because it is, or at least it used to be no questions asked. Depth, time, diving outside of certifications etc.

 

[tursiops]

DAN covers OW to 40m or PADI recreational depth limits. Dive Assure only insures you to the training depth for the certification. So Padi OW is 18m under Dive Assure.

DAN covers you incountry as long as your dive is more than 50 miles from where you live.

Your response is right or wrong or misleading, depending on whether you are talking about DAN Membership ofr DAN Accident Insurance or DAN Travel Insurance, and whether the membership is DAN-US or DAN-elsewhere. Without such clarification, your response is not helpful.