I have DiveAssure and not totally happy with it with respect to emergency evacuation.
DiveAssure's policy states that all emergency evacuation must be pre-approved by Travel Guard. If you are unconscience and no one calls for pre-authorization, you may be paying emergency transportation.
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Emergency Evacuation means:
1. Your medical condition warrants immediate transportation from the place where You are Injured or suffer an Emergency Sickness to the nearest hospital where appropriate medical treatment can be obtained;
2. After being treated at a local hospital, Your medical condition warrants transportation to where You reside, to obtain further medical treatment or to recover;
3. All of the above.
Covered Expenses are Usual and Customary expenses, up to the maximum, for necessary transportation, medical services, and medical supplies incurred in connection with Your Emergency Evacuation. All transportation arrangements made for Your evacuation must be by the most direct and economical route possible.
Expenses for your Emergency Evacuation must be:
1. Recommended by the attending Physician;
2. Required by the standard regulations of the conveyance transporting You;
3. Verified and approved in advance by Travel Guard.
Expenses for medical services and supplies must be recommended by the attending Physician. Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the scheduled Trip.
All transportation must be authorized and arranged through Travel Guard.
To access Emergency Assistance, call Travel Guard operation center at:
[1-800-401-2271]
Or call collect: [1-713-260-5507]
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If someone from DiveAssure would like to comment that this as an incorrect interpetation of their policy, I'd like to hear from them.
DAN insurance members are required to call Travel Assist.