Just to show some things that the DAN insurance handles that might not be handled by your primary insurance:
Copied from one of my earlier posts re DAN insurance
In 2004, I had an incident of DCS2 while in Grand Cayman. I had to pay, by credit card, both the hospital fees and the separate chamber fee. I'm not sure if that policy applies in all hospitals/chambers or just the one I happen to be at.
When I arrived home I filed papers with my primary health insurance carrier.
They paid the majority of the medical bills, including $15,000 worth of "chamber rides". (I have been told, by other divers, that had my primary insurance not covered that cost, that the DAN insurance would have covered it.)
After receiving that payment, I submitted uncovered bills, etc., to the DAN insurance people (The actual policy was from an insurance company who has an agreement with DAN). The paperwork seemed less noxious than typical insurance paperwork, and the service was very good.
That policy reimbursed me for:
1)Some medical costs not covered by my primary insurance carrier.
2) The cost of two plane tickets home, when we could not reschedule on our original airline.
3) The cost of shipping the home all our luggage, including dive gear, as I had written orders from the doctor to not carry, drag, or lift anything for a two week period.
4) Most of the cost of three additional at the hotel, also the result of written orders from the doctor. The three days were required for more medical treatment, and to be medically cleared to fly.
The reimbursement for these items totaled approximately $2700, $2400 of which was for items 2, 3, 4, in the preceding list, costs which, obviously, were not covered by my regular health insurance.
As a result of this experience, I would never be without the DAN insurance.
I give that product my highest endorsement, while hoping you never have to use it.
Good luck,
Mike