Which Dive Insurance do you use and why? (Poll)

[dvleemin]

Hi,
I read through the whole 'Is dive insurance necessary' thread, and wondered what people use. I suspect the majority are DAN, but I would like to know why. From the surface to me, it looks like Dive Safe is the best deal.

So what do you use, and what were the deciding factors that made you make your decision?

Thanks,

Darryl

[TexasMike]

DAN for me. Due to all the "pros" that DocVikingo discussed. Mostly due to it's worldwide recognition and coverage.

Hmm...that reminds me....it's almost time for renewal.

[DocVikingo]

Hi Darryl,

DAN Preferred, because (off the top of my head & in no particular order):

1. Medical benefits are on a per occurrence rather than a lifetime max basis.

2. I like the coordination between the insurance & DAN's medical services, most notably it's hotline.

3. I think DAN is worthy of support. It gives a lot to the dive community.

4. You get medical non-dive accident coverage for eligible charges outside of the home country, and diving vacation cancellation & diving vacation interruption coverage.

If you have that once in a lifetime dive trip to Papua New Guinea fully paid for, and get into a bad taxi accident on the way from Port Moresby to your resort/live-aboard that requires that you be air evacuated to Sidney, Australia, the value of a DAN Preferred policy could run into the 6 figures.

Heck, a similar scenario on Cozumel would run into the 5 figures.

Don't leave home without it.

DocVikingo

[Drew Sailbum]

I have DiveSafe. It seemed to coordinate best with my medical insurance (which is rather extensive) at the time I took out the policy.

Now my medical insurance is about to change, and I'll be moving out of the U.S. It's time to renew my dive insurance, and I'd like to compare details again. This time medical evacuation coverage will be of no use since I will be doing all of my diving at my new home. Ditto for trip cancellation coverage.

[mlove]

DocVikingo,

Would diving vacation cancellation & diving vacation interruption coverage cover a snowstorm closing airports in the northeast, or getting bumped from a flight in Jamacia? Or is it only for injury related cancellations?

Thanks,
mike


(4. You get medical non-dive accident coverage for eligible charges for non-diving accidents outside home country, and diving vacation cancellation & diving vacation interruption coverage. )

[Dee]

Beast and I both have DAN preferred for the same reasons as Doc and TexasMike.

[Jonathan]

PADI - normally in the UK I get DAN professional but that was just too difficult for me in Japan, not least because they did not respond to my email.........

Jonathan

[martinjc]

I am in the insurance industry and did extensive research on all the available dive insurance policies I could find. DAN preferred - for all of the reasons Doc mentioned - was really the biggest bang for your buck. I'm still looking into equipment coverage - haven't ourchased anything yet (although, come to think of it, I leave for West Palm Beach on Monday - and my rolling duffle (which I already packed - can you tell I'm excited) contains almost $2 K in dive gear - now I'm a little concerned...)

[waterdogs]

DAN! benefits and the most recommended by LDS and this board.

Waterdogs

[Tavi]

Just upgraded to the prefered plan (reasons listed above).
Also it may fit in with my future training and diving. Any depth, any gas.