Medical evacuation insurance from credit card

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Location
Colorado
# of dives
100 - 199
I have a Chase Sapphire Reserve credit card. It has a benefit of 100K medical evacuation insurance. Has it been discussed on whether that insurance benefit could be used as a replacement for DAN insurance?
 
Would that insurance cover treatment in a foreign country? Hyperbaric treatment is expensive. DAN has people on staff who can talk to medical people in the foreign country and coordinate treatment.

DAN diving insurance is not very expensive. $135 for me in IL with the top plan (Guardian?). Others here say that DAN diving insurance has saved their bacon when they got a hit overseas and had to go to a chamber.
 
I have a Chase Sapphire Reserve credit card. It has a benefit of 100K medical evacuation insurance. Has it been discussed on whether that insurance benefit could be used as a replacement for DAN insurance?
There are a lot more possible needs for dive accident insurance than just medical evacuations.
DAN is proven.
 
I have a Chase Sapphire Reserve credit card. It has a benefit of 100K medical evacuation insurance. Has it been discussed on whether that insurance benefit could be used as a replacement for DAN insurance?

You need to discuss what they cover. If it only covers medical evacuation, as it is written, you will also need a policy for medical treatment,
 
The coverage is 100K for evacuation to the nearest hospital that can treat you medical issue with $2500 for medical expenses. Any country is covered.

What is Covered
This is not an exhaustive list. Examples include:

  • Transportation, medical services, and medical supplies that are necessary for your emergency evacuation
  • Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles
What is Not Covered
This is not an exhaustive list. Examples include:

  • Travel for the purpose of obtaining medical treatment
  • Non-emergency services, supplies, or charges
  • Care which is experimental/investigative in nature


Coverage Amount

  • $2,500 (subject to a $50 deductible)
  • $75 per day for hotel convalescence, up to five days (if ordered by the attending physician before returning home)
What’s Covered
  • The necessary services of a legally qualified physician, surgeon, nurse, dentist, or osteopath
  • Hospital/operating room charges
  • Charges for anesthetics, x-ray exams or treatments, and lab tests
  • Ambulance services
  • Drugs, medicines, and therapeutic services and supplies
What’s Not Covered
This is not an exhaustive list. Examples include:

  • Non-emergency services, supplies, or charges
  • Care not rendered by hospitals and physicians or dentists
  • Care that is experimental/investigative in nature
  • Any countries which may be determined by the U.S. Government from time to time to be unsafe for travel (contact benefit administrator for current list)
  • Care not medically necessary as determined by the Benefit Administrator
 
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$2500 probably won't cover a chamber ride, not even close if you need a series of treatments.
 
The devil is in the details. If you can provide a link to the full plan details you may get some feedback that is not guesses?

$2,500 medical coverage is extremely low. Basically useless?

In general scuba divers are most interested in "excluded activities" since things like car racing, hang gliding and often scuba diving are excluded.
 
I see now that scuba diving is listed as a not covered event. I missed that one sentence in the "not covered". JoeFriday above did a deep dive into the not covered section of the card benefits.
Thanks all!!
 
I don't have the Chase card, but I've had Amex for decades. It has a similar evac policy attached.

This was 15+ years ago, no idea if this still happens.

We had a family member get very ill while traveling to Florida, of all places. She really needed to get back to her specialist in California. Amex could have told us to just get referred to a local specialist, but for reasons it was important to get home to her doctor. All flights were completely booked. I called Amex and they did the magic travel-agent-to-airline secret handshake and got us on a flight out just a few hours later. I think that Amex did verify with her Dr that she needed to be home and that it was a legit emergency before doing the secret handshake thing.

I had to pay the change fee for my ticket, but not hers. They got us on the next flight home. It wasn't the full-on evac insurance, but it was still an above and beyond.

I guess this is/was similar to the "emergency bereavement" method my family used when I was a kid, 30+ years ago. We needed to travel on short notice to a funeral, and in that case the airline called the funeral home to verify the date of the funeral, and we got the lower (15 day advance) price instead of the "next day" price. No idea if that even exists anymore, either.
 
https://www.shearwater.com/products/peregrine/

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