Kharon
Contributor
Superlyte27, seriously? Ad Hominem attacks? Ignore.
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Perhaps the biggest thing that DAN brings to the party is knowledge of hyperbaric injuries. Sure they may end up getting your primary health insurer to eventually reimburse all their costs, but they have a reputation of getting you in a chamber or on a chopper ASAP without waiting for a committee or supervisor to make a decision.
For me, it is worth every penny just for their administrative assistance when minutes count. I pity the guy trying to call the California version of Obamacare to see if they cover getting bent in Truk, let alone wait around to see what they will do about it.
I have DAN Preferred insurance, not only because of what is covered and the amount of coverage in Preferred, but because of what is excluded in the Master plan. Preferred is the minimum I have ever considered, and when it comes time to renew, I will look further into the Guardian plan as well.
superlyte27, seriously? ad hominum attacks? Ignore.
What is excluded in the Master plan that tips you to the Preferred plan (other than the coverage amounts)?
Additional Medical Transportation | $100,000 | |||||
Home Country Medical Evacuation | $50,000 | |||||
Search & Rescue | $50,000 | |||||
Medical Coverage for Named Water Sports | $30,000 |
Now that I look at the DAN website and how the plans are evolving and the Preferred is not that much better than the Master, I am going to renew with the Guardian plan. The differences between the two plans is great:
Additional Medical Transportation
$100,000
Home Country Medical Evacuation
$50,000
Search & Rescue
$50,000
Medical Coverage for Named Water Sports
$30,000
Preferred has none of those, and they're worth having.
So help me out here. I have no health insurance in the USA now coz I am leaving the country for multiple years in 6 weeks. I'll be in the Philippines 6+ months, traveling on my own Ph motorcycle, diving, and hiking and mountain scrambling. Then to South America on my US motorbike, doing the same for a year +. What insurance company, and/or DAN level, cover me for all these activities? Advice needed fast.