Diving Accident Insurance
Preferred Plan: Frequently Asked Questions
What are the main differences between the DAN Preferred Plan and the Master Plan?
The DAN Preferred Plan offers one expanded benefit and a few new ones. The DAN Preferred Plan provides $250,000 Dive Accident Coverage per occurrence; $10,000 (lifetime maximum, $250 deductible per occurrence) Dive Vacation Cancellation Coverage; $5,000 (lifetime maximum, $250 deductible per occurrence) Dive Vacation Interruption Coverage and $10,000 (lifetime maximum, $250 deductible per occurrence) Medical Non-Dive Accident Coverage.
What is the difference between Diving Vacation Cancellation and Diving Vacation Interruption?
The Diving Vacation Cancellation benefit pays for the unused, nonrefundable arrangements (with the exception of unused airfare) and the forfeited, published, nonrefundable payments incurred as a result of cancellation penalties imposed by tour operators, common carriers and hotels when the insured diver must cancel a trip because of personal sickness or injury that would substantially impair his or her ability to dive. The Diving Vacation Interruption benefit pays for the losses that an injured diver incurs for a trip interrupted after the time and date of departure on a trip due to personal sickness or injury that would substantially impair his or her ability to dive. (Both of these benefits are subject to the terms and limitations of the group policy.)
Will these benefits pay for a trip that I cancel because of my work schedule or illness to a family member?
No, these benefits are only activated if the insured diver is the one who is sick or injured in a such a manner that it would prevent him from diving.
Do I need to call DAN before I plan a trip to make sure this coverage is activated?
No, by having the DAN Preferred Plan, you automatically have this coverage for any dive trip, but it you have problems on a trip, please notify DAN as soon as possible.
What is Medical Non-Dive Accident Coverage?
It is coverage that pays for treatment of an injury due to an accident that is not the result of diving that occurs while the covered member is outside of his or her home country. This benefit is subject to the terms and limitations of the group policy.