(USA) DAN Insurance *NOT* Active immediately after purchase

[fortytwo42]

DAN says on their website that their membership & insurance go into effect immediately after payment:

After joining, how long does it take for my benefits to become active?​

Membership and insurance go into effect as soon as DAN receives payment. You can get immediate coverage by joining online or by calling 1-800-446-2671 and paying by credit card (Discover, Visa, MasterCard or American Express).

However, I noticed that the issued policy starts on 1/1/2025. (the actual PDF with the actual policy)

Not sure why the discrepancy, and curious if anyone else noticed that - and if anyone has any experience with making claims the same month as the purchased policy. I reached out to DAN to clarify the start date of the policy.

See screenshot of the policy:

 

[fortytwo42]

So in the email I was assured that the insurance is valid... even though the paperwork seems to indicate that it becomes active on Jan 1st. Super confusing - I might try to give them a call tomorrow.

 

[Capt Jim Wyatt]

Get it in writing.