DAN is great for travel and I have it for myself, but I live in Canada and for accidents here I am already covered, 100%.
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I understand that to be so as I mentioned in post #1, unless you leave Canada - even diving Puget Sound where you might be taken to the US for treatment.DAN is great for travel and I have it for myself, but I live in Canada and for accidents here I am already covered, 100%.
I think it is all covered ok in Canada but there are places even in the Thousand Islands where you have to leave the dive boat on an island, show your passport to dive US waters, and need DAN coverage. I did that two days in a row once.I signed up for DAN last week and opted for the master plan mainly for my dive trip later this week. Local government health insurance might cover use of a decompression chamber as I could see that being classified as a "therapeutic procedure ordered by a doctor", but their website doesn't specify one way or another. On the flip side, I did find out tonight that one of the member benefits is a free air fill per month at my LDS, which basically pays for the membership and insurance if I use them all.
Yea, it's pretty large
Yea, you might need to be flown there, which ambulance cover will pay for if you have it. If not it would be expensive! Or you can also get the DAN Asia-Pacific Membership (you don't need the insurance part, that's for dive injury costs), which will cover emergency evacuation fees when you are more than 80km from home pretty much anywhere in the world.
That does suck but I can see both sides of the issue. I would think they should cover dive related in the water, on the ladder, on the boat, on the dock, on the way to the dock, etc - but that really is Trip Insurance then, or at least Trip Accident insurance. They do have a $10,000 extra Accident coverage on the Preferred plan when out of country, which actually has always seemed odd to me, but I guess you were in the US?DAN's probably ok if you need a chamber ride.
As to covering "dive related accidents" like they claim, their insurance is garabage. I have their preferred plan. I broke my tib. and fib. resulting in big surgery on dec 31st of last year when I slipped and fell on the exit a few feet from the water IN FULL DIVE GEAR. The paramedics had to cut my drysuit off of me to get me in the ambulance. DAN informed me that they only cover "dive related accidents". Then they turned down my appeal on the same grounds. So just FYI: DAN isn't some kind of miracle organization. They'll do their darndest to weasel their way out of paying a claim just like any other insurance company.