DAN Membership & Dive Accident Insurance
DAN dive accident insurance is designed specifically for divers. Chamber treatments are not typically covered by medical or travel insurance, so DAN dive accident insurance provides secondary accident medical coverage of up to US$500,000 and pays 100% of eligible expenses.
Dive accidents can be catastrophic for the diver and their bank account. Some countries require large upfront cash payments, and there may be weeks of follow-up care once the diver returns home. Neither of these expenses are typically covered by traditional medical or travel insurance.
DAN dive accident insurance plans include coverage for:
Ambulance transportation by ground, air or sea to the nearest hospital or hyperbaric chamber
Hospital charges
Hyperbaric chamber treatments
Permanent and total disability resulting from a covered diving accident
Extra transportation or accommodation costs if the diver is unable to use their original return ticket or requires an extended stay due to their covered diving accident
Loss of diving equipment if the diver’s gear is damaged or lost as a result of a covered diving accident.
DAN Travel Insurance
Travelers often purchase travel insurance that has some level of protection against unexpected costs arising from flight delays, trip cancellation or damage to a rental car. However, very few travel insurance plans cover scuba diving incidents. Some allow you to purchase coverage for an extra charge, but be sure to read the fine print carefully. The policy may require you to dive with a divemaster or hold a scuba certification from a particular agency. Most policies exclude coverage if you make dives deeper than 100 feet (30m).
Travel insurance includes coverage for:**
Trip cancellation due to illness, accident, job loss or an act of terrorism
Cancelled or delayed flights
Lost or delayed baggage
ID theft
