Overview

DAN offers three different dive accident insurance plans to cover medical costs related to a diving accident; there are no mileage restrictions when you use your dive accident or injury coverage. These plans will cover you if you are diving locally or internationally.

Dive accident insurance provides coverage for the medical costs of diving accidents and is different from the DAN TravelAssist evacuation assistance member benefit.

A comparison chart is available for the three dive accident insurance plans. You can also review the DAN Member Handbook (PDF: 319 KB) for more information.
The Preferred Plan costs $75 per person per year in addition to your DAN membership dues and includes the following:
  • $250,000 (per incident) coverage+ for all covered in-water skin and scuba diving injuries occurring at any depth

  • up to $15,000 (principal sum) in accidental death and dismemberment benefits resulting from a covered diving accident++

  • up to $15,000 (principal sum) in permanent total disability benefits resulting from a covered diving accident++ incurred at any depth

  • $10,000 (maximum lifetime benefit, subject to a $250 deductible) coverage for eligible charges from the treatment of nondiving accidents outside your home country

  • Dive trip cancellation: $10,000 (maximum lifetime benefit, subject to a $250 deductible) coverage for insured person's losses incurred for trip cancellation before departure due to a sickness or injury that would impair the ability to dive.

  • Dive vacation interruption: $5,000 (maximum lifetime benefit, subject to a $250 deductible) coverage for insured person's losses incurred for trip interruptions after departure due to a sickness or injury that would impair the ability to dive.
  • If you are involved in a covered diving accident, the Preferred Plan also provides:
  • up to $3,000 for accommodations
  • up to $2,500 for lost dive equipment
  • up to $2,000 for an airline ticket
  • View the Preferred Plan Certificate Schedule.
    The Master Plan costs $40 per person per year in addition to your DAN membership dues and includes the following:
  • $125,000 (maximum lifetime benefit) coverage+ for all covered in-water skin and scuba diving injuries occurring at any depth
  • up to $15,000 (principal sum) in accidental death and dismemberment benefits resulting from a covered diving accident++
  • up to $15,000 (principal sum) in permanent total disability benefits resulting from a covered diving accident++ incurred at any depth.
  • If you are involved in a covered diving accident, the Master Plan also provides:
  • up to $2,500 for lost dive equipment
  • up to $1,500 for accommodations
  • up to $1,000 for an airline ticket
  • The Standard Plan costs $30 per person per year in addition to your DAN membership dues and includes the following:
  • $45,000 (maximum lifetime benefit) coverage+ for decompression illness (both arterial gas embolism and decompression sickness) incurred within the 130-foot depth limit.

  • Click here to review policy exclusions.
    Notes:
    DAN America membership and dive accident insurance are available to residents of the United States and Canada.

    DAN Membership and insurance prices and benefits are subject to change without notice.

    Eligibility for DAN insurance includes any recreational scuba diver or snorkeler (including instructors and divemasters supervising recreational diving activities) who is a DAN Member and resident of the countries eligible for DAN insurance coverage.

    + DAN coverage is secondary coverage. After any other coverage you may have, DAN pays up to 100 percent of reasonable and customary costs of all remaining eligible expenses.

    ++ This benefit pays for accidental death and dismemberment or permanent total disability caused directly by scuba diving independent of all other causes. Any amount otherwise payable under the Permanent Total Disability benefit will be less any amount paid or payable under the Accidental Death and Dismemberment Benefit provided the loss is due to the same accident.

    * Your DAN TravelAssist benefits are provided through Travel Guard Group, Inc. DAN TravelAssist must arrange all covered medical and visitor transportation. Since DAN TravelAssist is an assistance service, we cannot reimburse you for expenses you incur on your own. DAN TravelAssist is in excess of any insurance coverage you may have.

    U.S. program is administrated by:
    DAN Services, Inc.
    DAN Services, Inc. does business in California as DAN Insurance and Administrative Services, Inc.

    Canada program is administered by:
    RTM Benefit Partners, Inc.


    Dive accident insurance programs in the United States are underwritten by:
    The United States Life Insurance Company in the City of New York, NAIC No. 70106, domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY 10281. It is currently authorized to transact business in all states plus the DC. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G-207,513 and G-201,223, Form Nos. G-24084 and G-24078. Coverage may vary or may not be available in all states.

    The underwriting risks, financial and contractual obligations and support functions associated with products issued by The United States Life Insurance Company in the City of New York (United States Life) are its responsibility.

    Dive accident insurance programs Canada are underwritten by:
    Chartis Insurance Company of Canada, domiciled in the province of Ontario with a principal place of business of 145 Wellington Street West, Toronto, ON M5J 1H8. It is currently authorized to transact business in all Canadian provinces. This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. SRG 9131423. Coverage may vary or may not be available in all states.

    The underwriting risks, financial and contractual obligations and support functions associated with products issued by Chartis Insurance of Canada are its responsibility.


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