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Urgent! Have DAN insurance; Generali demanding upfront payment b4 providing medical evacuation

Discussion in 'Dive Insurance' started by Julie T, Apr 24, 2021.

  1. Julie T

    Julie T Registered

    # of Dives: 100 - 199
    Location: San Luis Obispo, California, United States
    16
    14
    Final update: 1:50 pm PST 4-27-21. Xander has finally been picked up by a Medevac flight arranged and paid for by Generali, and is en route home from Cabo San Lucas to Denver, CO. It took a crazy number of phone calls and emails by the family over the course of days, during which there was very stressful uncertainty, to find the right people at DAN and Generali to make this happen, but ultimately Generali did make good on the emergency medical assistance commitment in their travel insurance policy. There must be a problem with DAN/Generali's personnel, or with their training, that this situation became so confusing and fraught. I hope the companies will work on this. (Note: I wanted to add this update to the top of my original post, but the "edit" option has disappeared for that post - am guessing that happens after a certain number of days/hours pass?)

    For the sake of comparison, I looked at the online terms and conditions for both DAN's dive insurance and their travel insurance (although the governing terms and conditions will be those provided with the final purchased policy). The wording for both types of insurance is somewhat ambiguous in regards to when DAN might provide payment upfront, and when it will reimburse the client for expenses incurred.

    For Xander's case, DAN and Generali eventually did agree that they would cover the cost for the medically necessary evacuation upfront, rather than requiring that Tim first pay himself and later request reimbursement. Given that DAN pre-approval is required for medical evacuation under their policy, and that the cost of an urgent medevac flight between two countries would exceed most people's credit card limits (and there wouldn't be time to refi a house to get the money), it makes sense that DAN would pay for the flight upfront, rather than requiring that the customer pay and later request reimbursement. A medical evacuation is a different situation, both in type and in orders of magnitude of cost, than having, say, a flight delay that necessitates extra nights at a hotel and a few more restaurant meals, for which one later requests reimbursement from the insurance company.

    Thanks everyone for your input and insights,
    Julie

    DAN dive insurance terms and conditions:
    https://www.diveassure.com/wp-conte...g-Accident-Policy-Gold-and-Platinum-INTL1.pdf

    DAN travel insurance terms and conditions:
    https://mk0diveassurecoatkqm.kinstacdn.com/wp-content/uploads/2019/12/DiveTravel-DOC-USA.pdf
     
    JimBlay, Centrals, -Moe and 1 other person like this.
  2. Kohanbash

    Kohanbash Solo Diver

    # of Dives: 200 - 499
    Location: PA, USA
    121
    31
    So if you have the basic dive insurance coverage (and travel insurance as a dan member), will they evacuate you if needed for an injury below 131ft?
     
    Julie T likes this.
  3. Julie T

    Julie T Registered

    # of Dives: 100 - 199
    Location: San Luis Obispo, California, United States
    16
    14
    Good question!
     
  4. Centrals

    Centrals Barangay Pasaway

    # of Dives:
    Location: Hong Kong
    8,974
    3,261
    In Asia Pacific(not including Australia) DAN offer 3 diving insurance plans: Master(50m max), Preferred and Preferred +(both of them offer unlimited depth but need to prove certification as well as equipment and gas mixes used).


    DAN DAN World : Insurance Comparison
     
  5. tursiops

    tursiops Marine Scientist and Master Instructor ScubaBoard Supporter

    # of Dives: 2,500 - 4,999
    Location: U.S. East Coast
    11,357
    9,258
    DAN's dive accident insurance varies by your location, in fact it varies by the U.S. state you live in. In Virginia, depth is irrelevant, even for the lowest cost accident policy.
    upload_2021-4-27_21-18-27.png
     
  6. Centrals

    Centrals Barangay Pasaway

    # of Dives:
    Location: Hong Kong
    8,974
    3,261
    Read the small print.
    I use DAN(Preferred Plan+) diving insurance and also separate travel insurance by another under-writer.
    Pay what you can afford it. There is NO such thing as over insured in my book.
     
    rjack321 and tmassey like this.
  7. gopbroek

    gopbroek Solo Diver

    # of Dives: 1,000 - 2,499
    Location: Lewisville TX
    4,337
    5,221
    I very surprised that in the 'General Exclusions" section paragraph 's. Pandemic and/or Epidemic;' is not highlighted in addition to a pre-existing condition. I am very surprised that Dan payed anything.
     
  8. Centrals

    Centrals Barangay Pasaway

    # of Dives:
    Location: Hong Kong
    8,974
    3,261
    If I ever travel again over next few months I will read the small print on Pandemic/Epidemic in any insurance policy. No wish to be caught off-guarded.

    Covid Insurance for Foreigners | 100,000 USD Cover | Certificate in 5min

    Business sense.

    https://www.bluecross.com.hk/en/ePromotion/COVID19Protection/Latest
     

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