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Dan Travel Insurance failed us again are there any better alternatives

Discussion in 'Dive Insurance' started by WarrenZ, Sep 6, 2017.

What has your experience with trip insurance been

  1. Bought it never used it

    88 vote(s)
    60.3%
  2. Bought it and used with no problems

    19 vote(s)
    13.0%
  3. Bought it and it was a nightmare to deal with

    8 vote(s)
    5.5%
  4. Can't discuss under advisement of my attorney

    1 vote(s)
    0.7%
  5. Never buy it

    28 vote(s)
    19.2%
  6. Polls are for chumps

    12 vote(s)
    8.2%
Multiple votes are allowed.
  1. dberry

    dberry Hydrophilic ScubaBoard Supporter

    # of Dives: 200 - 499
    Location: Philadelphia
    991
    518
    93
    OK, this thread is relevant to me. I'm supposed to meet up with old friends in Key Largo in the first week of Nov for a dive trip. Irma may be long gone, but it's not impossible that the VRBO condo will still be missing a roof, the dive ops will still be out of commission, or even that the reefs could be FUBAR. I guess with some luck we could cancel and get refunds for the VRBO and car rental, but will left be on the hook for the airfare to MIA. That is, the airport will be open in November, even if it might not be practical for us to stay on the Keys and dive.

    Even if we could still sign up for insurance, is there any policy that would let us get the airfare refunded if our reason for traveling has evaporated?

    [BTW, I realize my concerns at this moment are trivial compared to those who live and work in south Florida... prayers and best wishes to those folks.]
     
  2. DandyDon

    DandyDon Old men ought to be explorers ScubaBoard Supporter

    # of Dives: 200 - 499
    Location: One kilometer high on the Texas High Plains
    48,656
    4,401
    113
    Don't think so. Too much to ask. There will be sad evidence of the hit that you will see, but you can still enjoy the trip - and the vendors will hurry to make sure they are open for business quickly.

    We did an expensive family trip to Mount Rushmore, Yellowstone, etc. last month, but my primary reason for going then was the solar eclipse. I would love low cost insurance on cloud cover, but not available. Fortunately we saw a wonderful show, avoided almost all of the risks listed in news stories, and skipped by the jerks selling overpriced parking spaces to find a nice city park with a few hundred new friends. :)
     
  3. elbig

    elbig Barracuda

    # of Dives: 200 - 499
    Location: West Palm Beach,Florida
    246
    107
    43
    Well there is cancel for any reason trip insurance but is quite expensive and it pays less than 100% but can be worth it in some cases.
     
  4. Stoo

    Stoo NAUI Instructor

    # of Dives: 5,000 - ∞
    Location: Freelton & Tobermory, Ontario, Canada
    3,050
    2,765
    113
    Yes, the DAN dive insurance. While her injury didn't occur while she was diving, it happened on the dive boat, and so was covered. DAN has been on an "auto-renewal" for eons, but this was out first time needing it.

    And yes, the boat insurance I had (and still have, although a different company) is full replacement cost for the amount that I choose. My current boat was valued at $110K when I bought it. If I totalled it now, they just cut me a check for $110K. I actually talked to them about this a while ago. I figure at my age, if I was looking to replace my boat, I'd likely got to something smaller, so I asked about reducing the covereage. I was advised that I would need to have an appraisal done, but the savings weren't really all that great, so I left well-enough alone. I have a $5K deductible to keep the premium lower. I'm really only insuring against a total loss... Like getting rear-ended by a tractor-trailer while I'm towing it someplace.
     
  5. Lorenzoid

    Lorenzoid idling in neutral buoyancy

    # of Dives: I just don't log dives
    Location: Atlanta, USA
    9,162
    5,711
    113
    From a bit of Googling, it appears to me that it's pretty well established that a cruise ship is a common carrier. They travel a set route for a set price. The only difference between a liveaboard and a cruise ship is that you can dive from a liveaboard.
     
    outofofficebrb likes this.
  6. toriclum

    toriclum Angel Fish

    # of Dives: 100 - 199
    Location: Albuquerque
    14
    14
    3

    So, I’m Warren’s sister. After some careful and polite discussions with the CSA insurance people (who provide the actual
    Coverage sold by DAN) I was refunded the cost of or cruise. JetBlue gave me a cash refund 100%. I would purchase DAN again
     
  7. toriclum

    toriclum Angel Fish

    # of Dives: 100 - 199
    Location: Albuquerque
    14
    14
    3
    Warren’s sister here, I just thought I’d update people. Today we got notified that we were being sent compensation for the entire trip cost (minus the refund given to us by the airline as they don’t double refund). It was a little frustrating at first but cleared up quickly. It did take some patience but was worth it.

    I would purchase it again. Also shoutout to DAN for reaching out to warren and me personally about this.
     
  8. Lorenzoid

    Lorenzoid idling in neutral buoyancy

    # of Dives: I just don't log dives
    Location: Atlanta, USA
    9,162
    5,711
    113
    Hi Warren's sister!

    Did they give you any clue as to what changed about their opinion? For instance, did they admit that a liveaboard cancellation is a "common carrier cancellation"?
     
  9. WarrenZ

    WarrenZ Solo Diver

    # of Dives: 200 - 499
    Location: Las Cruces NM
    3,774
    3,501
    113
    I am glad to hear that it worked out for you. When Dan emailed me I asked them to contact Tori as I was able to move my trip to minimize any loses but she couldn't I have no idea what changed for her policy to pay out.
     
  10. bada3003

    bada3003 Solo Diver

    # of Dives: 200 - 499
    Location: Indiana
    234
    40
    28
    I use DAN primarily for dive related emergency medical coverage for which they have excellent reputation. I had to use them once and they were very responsive, providing professional medical consultation. If I'm not mistaken, DAN is a non-profit and I hope the travel related insurance component doesn't dilute their core mission.
     

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