ScubaNurse2020
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Now that I am getting certified and my fiance is AOW, I have seen the insurance advertisements for DAN. Is this a good investment or no?
Please & thanks!
Please & thanks!
Divers Insurance...Yay or Nay?
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Absolutely.
OP
ScubaNurse2020
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Yeah, take it from someone who has taken advantage of its benefits.
From a recent "Is DAN Worthless?" thread:
"DAN covered an exploding tooth as well as a partially-ruptured eardrum, with very little fuss, more than a decade ago. They didn't balk at the sizable cost of emergency dentistry or of a Lamborghini-driving otolaryngologist, when my standard medical insurance carrier did -- thanks Blue Cross, you f****, when the latter initially refused my request to see a specialist, while blood was seeping out of my ear.
"I saved some 15K, if not more, when all was said and done; and, perhaps, my hearing as well. Still have occasional tinnitus . . ."
From a recent "Is DAN Worthless?" thread:
"DAN covered an exploding tooth as well as a partially-ruptured eardrum, with very little fuss, more than a decade ago. They didn't balk at the sizable cost of emergency dentistry or of a Lamborghini-driving otolaryngologist, when my standard medical insurance carrier did -- thanks Blue Cross, you f****, when the latter initially refused my request to see a specialist, while blood was seeping out of my ear.
"I saved some 15K, if not more, when all was said and done; and, perhaps, my hearing as well. Still have occasional tinnitus . . ."
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Many threads on this. I always say it depends on how/where you dive. And if your regular insurance (Blue Cross, etc.) covers dive accidents (in your country or outside it). And if there is a chamber near everywhere you dive.
OP
ScubaNurse2020
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So I pay for it, we are fortunate enough to dive locally frequently and then do dive travel trips (where I have used their coverage). With the relatively affordable rates I also view it as contributing towards a cause I wish to support.
OTF
Coney Island Whitefish Biologist
DAN membership fees go towards sponsoring some of the best (or, only) research into dive medicine and accident analysis. Their work directly advances the capabilities and safety of all divers. DAN is largely a dive safety research organization that pays the bills by selling insurance. Plus they'll give qualified medical advice or referrals to any diver in need, any time, regardless of membership status. They produce excellent technical and educational material. It's worth it to support those things regardless of the insurance, which is actually darn good too.
I feel innately inclined to hate on the big always-recommended insurance company, but DAN is pretty cool.
I feel innately inclined to hate on the big always-recommended insurance company, but DAN is pretty cool.
The "Is DAN worthless" was my thread and I believe the basic DAN membership is great for the magazine and basic services, but if you need more support, the actual insurance comes into play. At that point, you need to make sure you know the rules and limitations about where you are diving and what is covered before you make a decision. There are distance and other limitations that could leave you hanging when you think you are covered fully....
In addition to the points others have made, here's how I think of it. DCI symptoms are easy to confuse for something else, and most folks are reluctant to consider the possibility they may be bent. If diagnosis and treatment would be expensive, you're even more likely to remain in denial. But prompt treatment often makes a big difference. Having insurance not only keeps you from going bankrupt; it helps you make the cautious decision to get checked out right away if something doesn't feel right.
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