In a recent thread, a poster related a story about having to correct someone's misinformation about dive accident insurance. That misinformation has been repeated often in ScubaBoard threads. The correction is well buried in a long thread, so I thought I would create a dedicated thread that makes it clear and which can easily be linked in future threads. This one specifically refers to DAN accident insurance, but I think it would be good if other companies had their policies clarified here as well.
The misinformed person had stated that dive accident insurance only covers you if you are diving within the depths covered by your certification level. For a basic OW diver, that would be 60 feet. I checked with DAN and got the following response from Greg Moore, programs manager at DAN:
Coverage under DAN dive accident insurance is not limited to the maximum depth of a diver's certification level. It is based on the definition of a covered dive accident, as outlined in the certificate of insurance:
"COVERED DIVE ACCIDENT means an Accident, DCI, or In-water Accident that results from a Covered Dive, regardless of the depth."
