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I'm 71 and DAN won't insure me -- now what?

Discussion in 'Dive Insurance' started by Peter Guy, Jun 28, 2019.

  1. Peter Guy

    Peter Guy Divemaster

    # of Dives: 1,000 - 2,499
    Location: Olympia, WA
    4,296
    1,906
    113
    I got a notice last week that DAN won't continue my dive insurance because I'm now 71. Dive Assure won't insure me for incidents in the US.

    Anyone know of another company that will insure a diver for dive incidents? My insurance now expires July 31.
     
  2. KathyV

    KathyV Orca

    # of Dives: 500 - 999
    Location: Midwestern US
    5,138
    3,195
    113
    We are insured by DAN but I just took a look at the DiveAssure Gold and Platinum Diving Accident Plans and they state that you can be covered from age 8 (minimum) until the age of 75, see below:

    https://www.diveassure.com/wp-conte...g-Accident-Policy-Gold-and-Platinum-INTL1.pdf

    General Conditions...Minimum age 8 Maximum age coverage under this policy will cease upon the attainment of the 75th birthday.

    They define the coverage as "worldwide" and I don't see any exclusions about accidents inside the US, but they may expect your Medicare and supplemental coverage to go into effect first, I don't know?
     
  3. lowflyer

    lowflyer Divemaster

    # of Dives: I just don't log dives
    Location: SW
    402
    294
    63
    A black eye for DAN, IMO. They should at least let you get it at a higher price if actuarial numbers show they have been shelling out too much in the way of benefits to people over 70.

    My understanding is that they will no longer give the Guardian (highest) level insurance to anyone over 70. But they will give the Preferred and Master coverage levels, which are better than nothing.

    Call them.
     
    chillyinCanada and KathyV like this.
  4. chillyinCanada

    chillyinCanada Solo Diver Staff Member

    19,265
    12,876
    113
    :eek::eek:

    I've got a bit of time yet regardless this is distressing news. Sure hope you find coverage
     
    uncfnp likes this.
  5. chillyinCanada

    chillyinCanada Solo Diver Staff Member

    19,265
    12,876
    113
    Also try to get repatriation to go along with your travel medical
     
  6. mac64

    mac64 Barracuda

    # of Dives: 5,000 - ∞
    Location: Ireland
    318
    123
    43
    Just asking can you dive without it, I never had insurance.
     
  7. chillyinCanada

    chillyinCanada Solo Diver Staff Member

    19,265
    12,876
    113
    Of course. No one needs insurance . . .until they do and then they really do.
     
    UTscuba, drbill, Khrissi and 6 others like this.
  8. couv

    couv Instructor, Scuba

    # of Dives: 1,000 - 2,499
    Location: 13th floor of the Ivory Tower
    5,052
    2,404
    113
    Is Medicare of any use for dive accidents?
     
  9. KathyV

    KathyV Orca

    # of Dives: 500 - 999
    Location: Midwestern US
    5,138
    3,195
    113
    Medicare doesn't apply outside the US, so if you have a dive accident or get ill in a foreign country then you are on your own. If you need hyperbaric chamber treatment and/or assistance returning to the US - it could be very expensive.

    We hope to retire within a year and so I went to a seminar on Medicare and Medicare Supplemental and Gap policies just last night, and it is incredibly complicated and it's not cheap. They weren't trying to sell us anything at this (park district) seminar, but it was clear that if you don't have comprehensive health coverage you could spend most of your life savings on health care and not leave much to enjoy your retirement, or to provide for your spouse.

    There are many different Medicare supplemental plans to address gaps in Medicare coverage. Gaps, ceilings, exclusions, out-of-pocket expenses, premiums, maximums, and co-pays that vary for inpatient, outpatient, medications, long-term, and hearing/vision/dental care. These supplemental plans are administered by private insurance companies and the coverage and rules may vary significantly by policy and by state and/or county here inside the US.

    For example, if you plan to travel or even live in different US states (e.g., spend your summers in the midwest and winters in the south) then you have to make sure to select supplemental/gap plans that will cover you in various US locations.

    So if you get ill outside the US, I don't think that you can expect much assistance. I'm sure that there are some supplemental plans that include foreign travel, but they might have higher premiums and they may not specifically cover diving-related illnesses and injuries.
     
  10. KathyV

    KathyV Orca

    # of Dives: 500 - 999
    Location: Midwestern US
    5,138
    3,195
    113

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