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Who carries dive accident evacuation insurance?

Discussion in 'Basic Scuba Discussions' started by Wookie, Dec 10, 2013.

Do you carry a Dive Accident evacuation insurance policy?

  1. Yes (DAN, DiveAssure, etc.)

    90 vote(s)
  2. No, I'm rolling the dice.

    2 vote(s)
  3. No, I'm willing to pay my primary health carrier's deductible.

    1 vote(s)
  4. No, I'm covered under my DM/Instructor liability insurance

    0 vote(s)
  5. No, I'm covered under the Instructor's/DM's/Boat's general liability policy

    0 vote(s)
  1. GrimSleeper

    GrimSleeper Dive Shop

    # of Dives: 2,500 - 4,999
    Location: Ozstraya
    Having just had a customer have to pay for their own chopper and chamber rides - US$25,000 or so, and counting - because the insurance they thought would cover them turned out not to, I'd say you're crazy if you don't have specific dive accident evacuation insurance. I gather some people have had problems with DAN in the US, but DAN Asia Pacific are way, way easier to deal with than some travel-policy provider on the other side of the world, who has no idea what DCS is and wants the victim checked at the local hospital (nearest 'real' hospital to here is a two-hour boat ride... Assuming any of the doctors are actually at work when you get there) before they'll consider evac. We've decided as a matter of policy now that nobody gets in the water if they can't show us evacuation cover that specifically includes diving accidents, and we much prefer DAN.

    As for cost, when I got bent I worked out the total costs at something north of US$70,000. Not a bad return on the $2,500-odd I've spent on DAN insurance (I have the top-level professional DAN Europe cover, which includes technical diving, instructor liability and all sorts of other stuff) over the years.
    Bhtmec2 likes this.
  2. Bhtmec2

    Bhtmec2 Solo Diver

    # of Dives: 500 - 999
    Location: Puerto Rico
    I have had DAN for years and have never had to use it but I am ready if needed...... Oh that is what insurance is for...:wink:
  3. Tigerman

    Tigerman Solo Diver

    # of Dives: I just don't log dives
    Location: Norway
    Ive never had to use my home insuracnce or my travel insurance and I hope I never will as it would be kinda like when I had to use my car insurance - a bad day :p
  4. bracko

    bracko Divemaster Candidate

    # of Dives: 200 - 499
    Location: sydney, Australia
    ^^ just on that, has anyone ever ha to claim with DAN? I'm sure car insurance companies have the same poor reputation upon claiming world wide (even when you're not the 'at fault' driver they're a pain in the ass), I just wonder what DAN are like to actually deal with.
  5. giffenk

    giffenk Great White

    # of Dives: 500 - 999
    Location: toronto
    Yes, but not from a dive specific provider. They tend to cost more (kind of like buying special dive gear insurance when it is already included in my house insurance for no extra charge).

    We get trip insurance via our travel agent from a single provider that covers both trip & medical.

    we started doing this way back when DAN only provided "dive insurance" (back then you had to make sure that if you slipped on the dock you fell in the water so it was a then considered a diving accident...). have not looked to see if DAN has become feature or price competitive.

    Best thing is that our coverage is a single source and primary coverage. No one else to goto. No bun fights about who covers what. Everything goes to 1 place.

    Thankfully we have only used it a few times for trip interruption. Really don't want to see the inside of a medivac helo.
  6. Cosimo_Zaretti

    Cosimo_Zaretti Angel Fish

    # of Dives: 50 - 99
    Location: Sydney
    I never saw the need for insurance when I was shore diving 20 minutes away from a free public hospital with a chamber. I got DAN insurance to dive in Indonesia earlier this year, and I will keep it up to date since it's not a bad idea to have it diving at home in Australia. We get hyperbaric treatment on Medicare, but we can get stung with evacuation costs should we end up on an expensive helicopter flight. Most of the sites I dive locally aren't too far from civilisation, and the quickest evacuation route on more remote trips is probably still going to be the dive boat. A years worth of DAN insurance costs about the same as a couple of day trips on the boat, so it's pretty cheap to have in the unlikely event I'll use it in Australia.
  7. Bhtmec2

    Bhtmec2 Solo Diver

    # of Dives: 500 - 999
    Location: Puerto Rico
    My sister years ago between jobs let her insurance go due to funds and justified it by I never get sick. Two weeks later she had an accident and was in the hospital for 3+ weeks. Boy did that put a dent in the wallet. I do not think she has ever been without coverage since then. We still talk about it. Way better to have and not use than to be without and need.
  8. Insta-Gator

    Insta-Gator Just Keep Breathing ScubaBoard Supporter

    # of Dives: 200 - 499
    Location: Venice, Florida
    Just curious, not arguing because I don't know.

    Are you sure Tricare will pay $50,000 for chamber rides and $100,000+ air ambulance back to the States from some small island or remote country? Perhaps you don't go to these places, but I'm curious as to whether Tricare would actually cover these costs.
  9. D_B

    D_B Kimber/TekDiveGirl storyteller and memory keeper ScubaBoard Sponsor

    # of Dives: 50 - 99
    Location: San Diego, Ca.
    DAN .. membership .. because I like what they do and want to support them
    DAN .. insurance .. at the highest level offered .. because for the cost of one fast food meal a month, it's impossible justify not having it .. and because I know someone personally that is so very thankful for had having it when they got badly injured scuba diving right in their own back yard
  10. herbdb

    herbdb Manta Ray Rest in Peace

    # of Dives: 200 - 499
    Location: Allentown, PA
    I too have Tricare, but would not want to rely on a government run plan to arrange for quick emergency transportation from a remote location. They just don't do anything quickly.

    I have DAN.

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