Dive Accident Insurance

Available for all DAN Members.

  • Three Plans Available
  • Provides coverage for the medical costs
    of covered diving accidents
  • No mileage restrictions on covered diving accidents
  • Emergency Hotline 24/7

Do I really need dive accident insurance?
I have primary medical coverage

Your primary medical insurance may exclude scuba diving as a
hazardous recreational activity and/or may not provide coverage
when you are traveling out of the country. If it does provide
coverage, it may pay only a minimal amount for chamber treatments. There may be large out-of-pocket payments for deductibles and co-pays. These alone can total thousands of dollars.

The DAN Dive Accident Insurance Plans are recognized worldwide and can be confirmed 24 hours a day through the DAN Emergency Hotline (+1-919-684-9111). The DAN plans provide excess coverage of up to $500,000 and pay
100% of eligible expenses. Excess coverage is not available in all states.

What do Dive Accident
Insurance Benefits Cover?

Dive Accident Medical Coverage

Covered charges include the reasonable and customary cost of medically necessary services and supplies provided for the care and treatment of a Covered Diving Accident when prescribed, performed or ordered by a Physician and incurred within 365 days of the accident. This includes:

  • Hyperbaric Chamber Treatment
  • Physician's Charges for Hyperbaric Chamber Treatment medical care and surgical operations
  • Ambulance transportation by ground, air or marine ambulance services to the nearest Hospital or Hyperbaric Chamber where prescribed care or treatment can be given
  • Hospital charges

Accidental Death and Dismemberment

This coverage is for loss resulting, within 365 days, from a Covered Diving Accident.

Permanent & Total Disability

Permanent Total Disability must result from a Covered Diving Accident. Permanent Total Disability means that an Insured Person, who is over 21 years of age, is permanently unable to perform material and substantial duties of any occupation for which he or she is qualified by reason of education, experience or training. With respect to an Insured Person for whom an occupational definition is not appropriate, Permanent Total Disability means an Insured Person is permanently unable to engage in any of the usual activities of a person of like age and sex who is in good health. The Permanent Total Disability must occur within 365 days of the date of the Covered Diving Accident, continue without interruption for at least 1 year, and reasonably be expected to continue without interruption until the Insured Person's death.

Extra Transportation Costs

If an insured person is prevented from using their purchased ticket to return home based on the written advice of the attending Physician because of a Covered Diving Accident, the coverage pays for the cost of transportation for the return trip home.

Extra Accommodation Costs

If an insured person is delayed from returning home based on the written advice of the attending Physician because of a Covered Diving Accident, the coverage pays the cost of extra accommodations for the duration of the delay.

Loss of Diving Equipment

Coverage is for diving equipment that is worn on the diver's person and is lost or unintentionally damaged as a result of a Covered Diving Accident. This coverage excludes watches, glasses or covers, torn straps or buckles, or photographic equipment.

How to File a Claim

  1. For any dive injury or claim questions
    or to request a claim form, contact:
    DAN Services, Inc.
    Attn: DAN Claims
    6 West Colony Place, Suite 200
    Durham, NC 27705
    Phone: +1-800-446-2671 or +1-919-684-2948
    Fax: +1-919-490-6630
    Email: claims@dan.org

  2. Complete the claim form in full.
    Please answer all questions completely. If you don't, the form may be returned to you and could delay payment of the claim. Be sure to sign the claim form.

  3. Ask the hospital and/or doctor to complete
    the reverse side of the Form and return it to you. If an invoice is available, ask them to attach it to the form.

  4. Attach any other bills, documents or statements that apply to the claim. It is important that they contain the right information.

  5. Make copies of your forms and bills for your records — your originals will not be returned.

  6. If you received a payment from any other Insurance, you must send the Explanation of Benefits with your bills before your claim can be settled.

  7. Please forward your package to:
    DAN Services, Inc.
    Attn: DAN Claims
    6 West Colony Place, Suite 200
    Durham, NC 27705
    Phone: +1-800-446-2671 or +1-919-684-2948
    Fax: +1-919-490-6630
    Email: claims@dan.org

Depending on the state of residence, insurance is underwritten by either:

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 DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions and limitations. Coverage may vary or may not be available in all states.AG 12070

National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its principal place of business at 175 Water Street, New York, NY 10038. It is currently authorized to conduct insurance business in all states and the District of Columbia. NAIC No. 19445. This summary provides only brief descriptions of the coverages available under Policy Series S30854DBG. The issued policy and certificate will contain reductions, limitations, exclusions, definitions and termination provisions. Full details of the coverage will be contained in the issued policy and certificate. If there are any conflicts between this summary and the issued policy and certificate, the policy and certificate shall govern in all cases. Coverage may not be available in all states.

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