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Scuba Stories, Comments & Questions that don't fit elsewhere! I think the title says it all!

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Old 09-22-2007, 07:50 PM   #141
dutchman
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There are other alternatives out there. However, DAN is the best know provider. I wouldn't dive without some type of coverage. Your normal health insurance won't cover a lot of dive specific occurrences.
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Old 09-22-2007, 08:56 PM   #142
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It boils down to the old saying " better to have it and not need it than to need it and not have it"

The DAN membership is less than the cost of a decent mask, surely your life is worth more?????
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Old 09-23-2007, 08:26 PM   #143
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Yes, and for a very good reason...

I signed us up for the family plan when my wife and daughter finally got certified. I work in the healthcare industry and commonly work with insurance companies. You would be amazed at what an insurance company will not cover as it is considered "risky". Costs associated with a diving accident are also not covered (medical transport, air evac, decompression chambers, etc). DAN actually works with your insurance company as soon as they are notified (and they are available 24x7x365, not jus M-F). This insures you get immediate action and decisions without you, or your family, having to worry about the details.

Remember, you may be a good diver but you have to watch for the accident and other divers - that is why they are called accidents. For example, I just got home from a trip to Maui. I was diving Molokini and there was a guy in the group that semed to Kamakazi everyone whe the divemaster pointed something out. Just about slammed me hard into the reef at 80 feet from behind when I was taking my turn to look.
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Old 09-24-2007, 11:04 PM   #144
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I am a DAN member and will be from now on.

For those that are looking at the gear insurance you might think again. A friend of mine got an insurance policy with State Farm that cover his gear including his camera even if it floods. I don't remember what he called it but it is a policy on its own, not a rider. The guy that sold it to him is a diver as well so I would think that he knows what he is talking about. I think it is $13 a year and it covers all his gear.
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Old 09-24-2007, 11:10 PM   #145
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Yes. I am a DAN member and believe in the organization and what it provides.
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Old 09-25-2007, 07:17 PM   #146
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Yes, both my husband and I are members. Accident insurance, and life insurance.

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Old 09-25-2007, 07:55 PM   #147
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Old 09-26-2007, 12:48 PM   #148
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Does any one know if you can have both DAN and Dive Assure? I am sure you can if you want to pay for both but will they work together. Assuming Someone does not have any insurance at all.
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Old 09-26-2007, 12:57 PM   #149
CompuDude
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Originally Posted by DZorn00 View Post
Does any one know if you can have both DAN and Dive Assure? I am sure you can if you want to pay for both but will they work together. Assuming Someone does not have any insurance at all.
I would imagine you can. DiveAssure is primary coverage, though, so they would pay first, and DAN would only cover what DA does not... if, that is, whatever it is DA does not cover is something covered by DAN. I would double check the policies pretty carefully, because I suspect the coverage overlaps so completely that DAN wouldn't end up paying anything, or hardly anything, so it's probably a waste to pay for both. Again, check the policies carefully, and decide if it's worth it for you.
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Old 09-26-2007, 05:33 PM   #150
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Another great reason to support DAN

When we think of DAN, we naturally tend to think of what it covers. However, the benefits of DAN do not end simply with coverage of expenses, as determined by the package purchased. For those who like to travel to remote destinations, it is important to note that DAN assists recompression facilities. This support does not come in the form of cash handouts to cover operating costs. However, DAN does try to assist with advice, technical matters, operational recommendations, training of personnel, etc. In addition to covering certain expenses related to emergency recompression therapy, for example, DAN effectively augments the availability, efficacy, and safety of care. In choosing to purchase DAN coverage, it is therefore important to remember that coverage for care is only one element of a larger equation. An increased probability that appropriate care will be available is also a notable benefit.
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