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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. scrane

    scrane Manta Ray

    # of Dives: 500 - 999
    Location: Boise, ID.
    976
    660
    93
    The only mention of the age 70 I can locate deals with their Term Life Insurance policy. Being on my way to 71 this is a concern if it affects their Accident Insurance, also.
     
  2. Scubagolf

    Scubagolf Manta Ray

    # of Dives: 200 - 499
    Location: Sacramento, California, USA
    1,213
    248
    63
    You can open the policy document for your state using the hyperlink on the coverage summary page.
     
    scrane likes this.
  3. MargaritaMike

    MargaritaMike Divemaster ScubaBoard Supporter

    # of Dives: 1,000 - 2,499
    Location: On a non-divable lake in SE Texas
    869
    758
    93
    I just got an email from DAN. The GUARDIAN plan in Texas does not cover anyone over 69. The PREFERRED plan still works fine for Texas residents (almost put Texans, but not everyone residing in Texas has their Texas Citizenship Papers). The MASTER plan is also still in tact. DAN's email said they have come up with a new GUARDIAN plan and they are waiting on it to be approved for Texas.

    Cheers - M²
     
    markmud, ibj40 and Lorenzoid like this.
  4. Carlos Danger

    Carlos Danger Manta Ray

    667
    134
    43
    This is from an email I received today from DAN:

    "Recently you may have heard that some DAN insurance plans are currently unavailable to divers age 70 and over. Unfortunately, this is true. Last year we were notified by the underwriter of our Guardian Plan that the plan would no longer be available to people over age 69. We found this to be unacceptable. Therefore we created new dive accident insurance plans that will be available to all divers, regardless of age.

    Here is where things stand today:

    • In January DAN launched new dive accident insurance plans that provide better coverage with fewer restrictions; among these plans is a new Guardian Plan that is available to people age 70 and over. Today these plans are available in 39 states. For members in the remaining states, except for Washington and Vermont, we offer other dive accident insurance plans that do not have age limitations.
    • The Guardian Plan is the only dive accident plan currently available in Washington and Vermont, and thus DAN dive accident insurance is currently not available to divers age 70 and over in those two states.
    • Once DAN’s new dive accident program is approved by the insurance regulators in your state, all divers (including those 70 and over) will be able to choose from three plans: Guardian, Preferred and Master.
    • In the interim, residents of all states, including Washington and Vermont, can still be DAN members and can still purchase DAN trip and travel insurance, regardless of their age.

    We apologize for the inconvenience, and we will provide updates as more information becomes available.

    To learn about the dive accident insurance coverage available in your state, go to DAN.org/Insurance or call DAN Member Services at +1 (919) 684-2948, Option 3.

    Thank you for your support. We appreciate your patience as we work to make dive accident insurance available to all divers.

    The DAN Team
    "
     
    woodcarver, flyboy08 and scubadada like this.
  5. tursiops

    tursiops Marine Scientist and Master Instructor ScubaBoard Supporter

    # of Dives: 2,500 - 4,999
    Location: U.S. East Coast
    8,687
    6,410
    113
    This is all well and good, but in my state (Virginia) and my age (78) the Annual Travel is $1657 per year, and the Guardian Accident is $118 per year, so almost $1900/year for coverage. Worse, the two policies have some overlapped coverage (so you are paying twice) but DAN says there is nothing they can do about that. No discounts for purchasing both.
     
  6. Lorenzoid

    Lorenzoid idling in neutral buoyancy

    # of Dives: I just don't log dives
    Location: Atlanta, USA
    9,460
    6,086
    113
    DAN apparently sent the email to everyone. I’m still a good decade away from having your problem. But I hope t keep diving long enough to have the problem. :)
     
    chillyinCanada and markmud like this.
  7. timetraveler

    timetraveler Barracuda

    # of Dives: 500 - 999
    Location: Melbourne Beach, FL
    218
    13
    18
    I received the same email as Carlos Danger. I'm in Florida.
     
    markmud likes this.
  8. fmerkel

    fmerkel Loggerhead Turtle

    # of Dives: 1,000 - 2,499
    Location: Salish Sea (Seattle)
    1,692
    645
    113
    In WA here. Got the same email. Obviously a mass mailing. I thought maybe it was more specific as I'm in a dropped state, and I personally just had DAN expire.
     
  9. The Chairman

    The Chairman Chairman of the Board

    # of Dives: I just don't log dives
    Location: Cave Country!
    57,015
    25,019
    113
    I got the same email.
     
  10. ibj40

    ibj40 Divemaster

    # of Dives: I just don't log dives
    Location: Texas
    2,470
    1,744
    113
    Interestingly, I submitted this question to DAN over the weekend, and haven't received either a response or the referenced email.
     

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