I'm 71 and DAN won't insure me -- now what?

[timetraveler]

Haven't found more dive insurance yet (and haven't looked that hard to tell the truth). It may be that I stop diving come August 1 for a while.

That would be sad. I hope that you don't let an insurance company dictate how you live your life.

 

[ibj40]

this is a very informative thread...thank you all for your contributions....

Me, too!

I turn 70 in March and don't plan to stop diving.

 

[ThatDogDontHunt]

Haven't found more dive insurance yet (and haven't looked that hard to tell the truth). It may be that I stop diving come August 1 for a while.

Not a personal endorsement, just the first Google hit found. Generic travel insurance available in Washington state that covers scuba diving up to 120 feet...They seem to have 3 different products.

plans

 

[ThatDogDontHunt]

Not a personal endorsement, just the first Google hit found. Generic travel insurance available in Washington state that covers scuba diving up to 120 feet...They seem to have 3 different products.

plans

This is the Lite product..

 

[rjack321]

Not a personal endorsement, just the first Google hit found. Generic travel insurance available in Washington state that covers scuba diving up to 120 feet...They seem to have 3 different products.

plans

This is trip/travel insurance with a tiny bit of extra medical coverage thrown in. It's not dedicated secondary medical coverage for DCI and wouldn't apply if the OP went diving down the street from his house.

I'm assuming the OP has medicare which does cover DCI/DCS but he'd need to check his supplemental coverage for how much the co-pays and deductibles might be
Does Medicare Cover Hyperbaric Oxygen Therapy? | Medicare & Medicare Advantage Info, Help and Enrollment

 

[ThatDogDontHunt]

This is trip/travel insurance with a tiny bit of extra medical coverage thrown in. It's not dedicated secondary medical coverage for DCI and wouldn't apply if the OP went diving down the street from his house.

I'm assuming the OP has medicare which does cover DCI/DCS but he'd need to check his supplemental coverage for how much the co-pays and deductibles might be
Does Medicare Cover Hyperbaric Oxygen Therapy? | Medicare & Medicare Advantage Info, Help and Enrollment

Agreed. It does not cover DCI when diving down the street. It does not cover anything just down the street. Trip insurance is for when you go away from home.

You do need to look at the details of each of the products that the various vendors provide. The super deluxe product from these guys has $1,000,000 for emergency medical benefits. Required medical treatments will be covered as long as you do not scuba below 120 feet. They even cover DSD incidents...

 

[tursiops]

as long as you do not scuba below 120 feet

They don't even get that right. They say 120 ft is 40m. It is not. So which is their limitation? You can be sure they will choose the one most convenient to them....

 

[chillyinCanada]

They don't even get that right. They say 120 ft is 40m. It is not. So which is their limitation? You can be sure they will choose the one most convenient to them....

It should be easy enough to pick 120' and stay above that so as not to run afoul should the worst happen.

Though I am curious why it's 120' vs 40m which is 131'.

 

[KathyV]

Agreed. It does not cover DCI when diving down the street. It does not cover anything just down the street. Trip insurance is for when you go away from home.

You do need to look at the details of each of the products that the various vendors provide. The super deluxe product from these guys has $1,000,000 for emergency medical benefits. Required medical treatments will be covered as long as you do not scuba below 120 feet. They even cover DSD incidents...

They don't even get that right. They say 120 ft is 40m. It is not. So which is their limitation? You can be sure they will choose the one most convenient to them....

It should be easy enough to pick 120' and stay above that so as not to run afoul should the worst happen.

Though I am curious why it's 120' vs 40m which is 131'.

We have DAN insurance and we also buy trip insurance for major vacations which includes some medical and accident coverage - but not as comprehensive as DAN for diving.

In the past we've usually bought Travel Guard but for our big trip this year we've purchased from Travel Insured International because it costs about the same and the coverage seemed a little better - but our policy lists the same incorrect math in the language of their "general exclusions" see below:

SECTION IV. GENERAL EXCLUSIONS AND LIMITATIONS...

"...scuba diving if the depth exceeds 120 feet (40 meters) or if You are not certified to dive and a dive master is not present during the dive.."

I think that it's a typo and it is supposed to read 130 feet.

 

[jonhall]

I'm assuming the OP has medicare which does cover DCI/DCS but he'd need to check his supplemental coverage for how much the co-pays and deductibles might be
Does Medicare Cover Hyperbaric Oxygen Therapy? | Medicare & Medicare Advantage Info, Help and Enrollment

Not sure the Medicare would cover anything outside the U.S. Regarding a supplemental coverage, below is what I posted earlier in the thread:

there is a foreign travel emergency benefit - $250 deductible and then the plan covers 80% of the Medicare approved amount up to a lifetime benefit of $50,000

Anyone with any experience of using a Medicare supplemental plan when out of the country?