DAN membership is a one-time charge that covers the complete year’s worth of perks. There is no recurring monthly fee associated with membership. Individual membership is $40 and family membership costs $60.
How does DAN dive insurance work?
Call local EMS first, then DAN in the event of a dive accident or injury. DAN is responsible for arranging transportation for covered emergency medical evacuation expenditures. Get answers to your health and diving issues that aren’t emergency-related. Please allow up to 48 hours for a response.
What does my DAN insurance cover?
Non-Diving Accident Coverage is included in the Guardian and Preferred diving accident insurance plans for Accident Medical Expenses spent outside of your native country. The Guardian dive accident insurance plan also includes Named Water Sport Accident coverage for Accident Medical Expenses, Accidental Death and Dismemberment benefits, and Permanent and Total Disability benefits while on a journey at least 50 miles/80 kilometers from home. For a complete list of terms and conditions, go to Compare Coverage.
What does DAN membership include?
Automatic enrollment in DAN TravelAssist is included with DAN membership. Benefits are provided for both diving and non-diving crises, with a combined benefit limit for Emergency Medical Transportation and Travel Assistance Benefits of up to $150,000 ($100,000 for New York residents).
Depending on the benefit, DAN, Travel Guard, and other service providers give DAN TravelAssist benefits. You must contact DAN TravelAssist for help in order to receive these benefits or to request emergency medical transportation. You may not be compensated for emergency medical transportation that you arrange yourself.
The companies listed below underwrite Emergency Medical Transportation and Travel Assistance Benefits, which are insured benefits.
This is merely a summary of the coverage(s) that are available. Reductions, limitations, exclusions, definitions, and termination provisions will be included in the Policy. State-by-state coverage may differ, and coverage may not be offered in all provinces.
The United States Life Insurance Company in the City of New York, NAIC No. 70106, domiciled in the state of New York, with its principal place of business at One World Financial Center, 200 Liberty Street, New York, NY 10281, underwrites insurance for New York citizens.
Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas FL 37, New York, NY 10020-1304. For residents of all other U.S. states and the District of Columbia, other than those listed above, insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas FL 37, New York, NY 100 It is currently licensed to do business in all 50 states as well as the District of Columbia. No. 19445 in the NAIC.
AIG Insurance Company of Canada, 120 Bremner Blvd., Suite 2200, Toronto, Ontario, M5J 0A8, is the insurer in Canada.
What does DAN Guardian plan?
A DAN member in the Maldives noticed vertigo, shoulder pain, tingling feelings, and a rash 20 minutes after surface. He was unable to stand when he arrived at the local clinic, and he endured six hyperbaric treatments over the next several days.
This member’s DAN dive accident insurance Guardian Plan* covered the majority of his medical treatments, as well as his lost liveaboard expenses, trip cancellation fees for a future scheduled dive trip, and extra lodging bills he spent while undergoing treatment. His membership benefits alone covered his whole repatriation and travel assistance expenditures.
Why do you need dive insurance?
Scuba diving insurance protects divers from having to pay for medical expenditures for life-threatening accidents that aren’t covered by standard health or travel insurance policies.
The deeper you dive, the more likely it is that your insurance will not cover the dive. Specialized scuba diving insurance is worth the extra effort, research, and money because of the additional hazards connected with diving.
Comprehensive coverage
This insurance policy will cover you financially if you have a medical emergency while diving. This will also cover the cost of replacing lost or damaged diving equipment.
Extra coverage for transportation and accommodation
Let’s pretend you’re on a diving holiday outside of the country. You may need to extend your stay or rebook your journey home while being treated for a medical emergency. If you have this type of insurance, it will cover the expense of additional lodging and transportation for your return trip home.
Dive-related Medical Accident Coverage
Your insurance will cover the costs of necessary medical services and supplies, such as hyperbaric chamber treatment, surgical operations, ambulatory services (both air and ground), hospitalization, and physician fees.
Permanent and Total Disability
If you are unable to substantially fulfill your obligations in your occupation or from your normal, daily activities as a result of a diving accident, your insurance company will compensate you.
Accidental Death and Dismemberment
If you die as a result of a diving accident, you will be financially protected. Typically, the claim profits will be sent to the beneficiary you have designated or declared.
Other insurance features
If you are a professional diver, you are required to purchase dive insurance. It frequently varies in terms of coverage but also in terms of premium payment.
You can also purchase short-term insurance if you’re going on a trip for a short period of time. If you want to go diving for a week in another nation, for example, you can purchase specialized insurance for that trip.
Does scuba diving affect life insurance?
Recreational scuba diving has no bearing on your life insurance policy, however habitual or professional scuba divers will be charged a flat fee on top of their premium.