Should I get diving insurance?

[cave_diver_rob]

Get DAN!!

 

[fellowtraveler44]

Well, yeah. It's fine that FT chooses to rely on his other medical insurance. He did not read my last post correctly so I won't go on. Hope his students get the word.

D_B - I would like to have an intelligent discussion about this; something more than repeating the mantra that every diver should buy DAN insurance. We have all heard that, but I do not find it particularly enlighening. If I misread your post, please explain. What does DAN insurance provide that DAN Travel Assist (free to DAN members like me & you) and my health insurance does not cover? This is the issue I find worth discussing, and should help others make an informed decision about whether to spend the extra money (small as it may be) on more insurance.

 

[fellowtraveler44]

Get DAN!!

See, I don't find this enlightening.

 

[Snarfal]

See, I don't find this enlightening.

I agree. I find a lot of people are passionate about choosing DAN but find the "why" to be limited.

I see that they provide a lot of dive science research for the community. What I really want to know is why it would be better than a primary dive specific insurance such as Dive Assure or what not. (not questioning main health insurance)

Have people had issues with other dive insurance not being accepted at some locations?

 

[DandyDon]

D_B - I would like to have an intelligent discussion about this; something more than repeating the mantra that every diver should buy DAN insurance. We have all heard that, but I do not find it particularly enlighening. If I misread your post, please explain. What does DAN insurance provide that DAN Travel Assist (free to DAN members like me & you) and my health insurance does not cover? This is the issue I find worth discussing, and should help others make an informed decision about whether to spend the extra money (small as it may be) on more insurance.

Well, you quoted me but applied the quote to D_B. Quoting others on V-board can be confusing.

I am not one who shouts get DAN to all, and it's fine that you don't. If you were my traveling dive bud, I'd want some other way to guarantee your treatment if needed also in my control, but you choice if fine for you. There are some aspects about DAN that I may not like, and I certainly do not care for their gear or trip insurance, but they still are an excellent resource for the diving sport along with those who do need dive insurance, which includes most of us.

Your earlier statements about DAN were inaccurate, I corrected some, but you seem to have breezed past much of that. I see no need in repeating that part, and I do hope you enroll your students in DAN insurance for training as well as provide up to date brochures.

 

[D_B]

D_B - Did DAN pay hundreds of thousands of dollars over what her insurance paid because her insurance would not pay, or did she have duplicate insurance, so both DAN and her insurance contributed to the medical expenses?

over and above, and maybe on things that her insurance did not cover .. and she has needed every single penny of it, from both of them

 

[dpwrkK5]

*** no

 

[D_B]

*** no

you don't feel you need to explain why you feel this way ?

 

[dpwrkK5]

I like short fast answers.

I had DAN. I travel and dive for a living, never even came close to needing it.

Don't have to worry about who I'd leave behind if I die.
Don't do deco diving.
Don't see a need.

SEAN

 

[D_B]

You can't know how close you came to needing it ... all you can say that you have never needed it
You could say that about many insurance policies ... If you can afford a catastrophic expense, than you don't need one
Sometimes, you do nothing wrong, dive conservatively, equipment works perfectly, and nothing you could foresee would have told you that you were going to be severely disabled ..