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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. John Bantin

    John Bantin Dive Shop

    # of Dives: 5,000 - ∞
    Location: London
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    The test of any insurance policy is not whether they collect the premiums but whether they pay out on a claim.
     
  2. divinh

    divinh Photographer

    # of Dives: 100 - 199
    Location: San Francisco
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    Lazy conversion math? 120'/(3'/1m)=40m. Or 40m x 3'/1m = 120'.
     
  3. chillyinCanada

    chillyinCanada Solo Diver Staff Member

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    You beat me to it!
     
  4. chillyinCanada

    chillyinCanada Solo Diver Staff Member

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    Very lazy. 3.37 ft/1m ergo 131 ft 2.8 inches depth.

    To me, the difference is potentially a significant problem if one is diving the Blue Hole, Belize.

    However, when diving most anywhere else, as I stated before, one should easily be able to dive within the math error of 120 ft.

    Since I'm already discussing this, anyone not certified and trained for a deeper dive will also want to double check their policy because they often say words to the effect of, "or to the depth of your certification".

    No, there's no scuba police, but should your insurance policy read in such a way, and you are going by depth you're covered by but DEEPER than the depth that you've been certified to (which is a guideline), and then need to make a claim, this could become problematic.

    Any scuba lawyers in here?

    And I must repeat John Bantin. We never really know what the outcome will be with insurance and whether they will payout or not, until we need to make a claim.

    This is something with DAN, that for the most part, we've not had to be too concerned about.

    Other coverage may not be so easy. Remember, do not let a first refusal to pay discourage you. Keep resubmitting the claim and ultimately fight for your coverage as aggressively as you have the ability to do.

    Sorry, I've strayed a bit off topic but it may still be relevant if we can no longer be insured by DAN.

    @Peter Guy, instead of chasing a policy yourself, why not engage an agent to help you. The agent should do all the research and then can hopefully offer (and explain) you some options. Just a thought.
     
    shoredivr and KathyV like this.
  5. BenjaminF

    BenjaminF Photographer

    # of Dives: 200 - 499
    Location: Israel
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    After all, they ALWAYS are willing to collect.
     
  6. KathyV

    KathyV Orca

    # of Dives: 500 - 999
    Location: Midwestern US
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    No actual experience but I have been doing some research about Medicare and supplemental plans because we hope to retire in less than a year. 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, and there are supplemental plans that cover you outside the US - but I don't know how much coverage you get or how much it will cost.

    I think that the suggestion of working with insurance agents and comparing quotes is a good idea.
     
    jonhall likes this.
  7. JoeFriday

    JoeFriday Photographer

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    Well not always...
    DAN thinks the OP is too old and hence does not offer a product. Hence this thread.
     
  8. KathyV

    KathyV Orca

    # of Dives: 500 - 999
    Location: Midwestern US
    5,137
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    That's not quite true, I've spoken with DAN, apparently they missed the age limit in the Guardian Policy and were surprised when their underwriter began enforcing it. They are currently trying to create and get approval for a new policy with similar coverage but without the age limit. Unfortunately, the Guardian policy is the only DAN dive policy available in WA and VT at this time.
     
  9. Jcp2

    Jcp2 Literally virtually diving ScubaBoard Supporter

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    Of course there is no scuba police for these sorts of issues (well, maybe in France there is). It would be a contractual civil dispute in the courts if you felt that a claim was unfairly denied. No crime has been committed, so no police needed.
     
  10. KathyV

    KathyV Orca

    # of Dives: 500 - 999
    Location: Midwestern US
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    This is kind of a long-shot but DAN does offer annual travel insurance that covers scuba diving - although probably not as comprehensively as their specific diving plans. But it might be worth finding out just what is covered, how much it costs per year, and if they cover dive accidents when you are diving locally.

    DAN’s New Travel Insurance
     
    chillyinCanada likes this.

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