Dive insurance

[foolds]

What do you carry? Which plan? Cost?

Also, the padi form asked if you are taking any prescription meds, Of coruseclike most americans I do. When we got certified I went and saw the dive doctor who cleared me to dive and told me next time just mark the form no.. as did the dive instructor. If I falsely answer this question would it void any insurance I would buy?

 

[KevinNM]

DAN. The PADI form has nothing to do with insurance. But don't lie to the insurance company, that could work out badly.

 

[sea_otter]

Why not send the doctor a copy of the form and ask for a sign off that there are no issues? That way you don't have to lie or risk an insurance company using it as reason to avoid payment of a claim.

https://www.padi.com/documents/padi-courses/2.1.5 rstc medstate v201.pdf

 

[KeithG]

We do not buy "dive insurance", just like we do not buy "golf insurance".

We do buy a single travel / medical policy from blue cross that costs more than DAN and covers more than DAN.

 

[nolatom]

I expect most of the divers we meet either have DAN, or no insurance. Others have different plans.

I have had DAN for 15 years ("Master" plan). Never needed it. But it's given me peace of mind, and liveaboard operators like to see it. Also DAN has a hot line for dive medical emergencies.

I'm a typical weekend-type diver who has not studied the question closely. But it you are looking for what "most divers have", it's DAN

 

[Chip Elliott]

I have DAN, the Guardian Plan.

 

[archer1960]

Yup, DAN, the top-level one (whatever it's called in the US).

 

[Marie13]

I just joined DAN. $35/year membership. Guardian (or whatever the top level plan is called) insurance. I think it's $125/year in the US. I checked at work and my health insurance has no diving exclusions. The DAN plan I got costs as much as my renters insurance. That little extra for the top DAN plan didn't break my budget, so I figured go for it.

 

[Tug]

Like most of the others I use DAN and have their top plan.

Why not send the doctor a copy of the form and ask for a sign off that there are no issues? That way you don't have to lie or risk an insurance company using it as reason to avoid payment of a claim.

https://www.padi.com/documents/padi-courses/2.1.5 rstc medstate v201.pdf

I'd recommend doing this as well. If you get a yearly physical just have them fill out the form each year and that'll keep you covered.

 

[Tug]

Like most of the others, I maintain the top level of DAN insurance. I find it cheap compared to what I spend yearly on diving.

Why not send the doctor a copy of the form and ask for a sign off that there are no issues? That way you don't have to lie or risk an insurance company using it as reason to avoid payment of a claim.

https://www.padi.com/documents/padi-courses/2.1.5 rstc medstate v201.pdf

I'd recommend doing this as well. If you get a yearly physical, just have them fill out the form each year and you'll be all set.