FAQs: How does COVID-19 affect my DAN member benefits or insurance? FAQs: How does COVID-19 affect my DAN member benefits or insurance?

Coronavirus Information for DAN Members

Divers Alert Network is closely monitoring the COVID-19 outbreak and its potential impact on our members. The DAN offices are closed, but our operations continue uninterrupted. DAN staff are working remotely to provide the services on which our members and the diving community rely.

For the most up-to-date information about COVID-19, members should visit the Centers for Disease Control and Prevention (CDC), local government, and World Health Organization (WHO) websites.

If you have questions about your DAN membership, dive accident insurance or trip insurance benefits please call DAN Member Services at +1 (800) 446-2671, Option 3, or email us at Member@DAN.org.

FAQs

Is DAN TravelAssist a DAN membership benefit?

Yes. DAN Membership includes a package of medical transportation benefits that are available to members who travel more than 50 miles from home. To be eligible for these benefits, you must be suffering from an emergency medical condition that requires immediate transportation from the place where the medical emergency occurs to the nearest appropriate medical facility for treatment.

Due to the stress that COVID-19 is placing on medical facilities and evacuation service providers worldwide, members should know that emergency medical transportation, access to medical facilities and other benefits may be delayed or unavailable due to government action or other circumstances beyond DAN’s control.

Is there coverage for evacuations required due to COVID-19?

No, expenses for services, supplies, treatment or transport related to a pandemic, epidemic, or exposure to a contagious infectious disease are excluded.

DAN continues to operate 24/7, and DAN Member Services specialists are available to assist members with their covered, non-coronavirus-related, travel and medical evacuation needs. But please note this is a rapidly evolving situation, and DAN may not have the latest information about border closings, mandatory quarantines or other government or health agency actions that might restrict your ability to travel and/or DAN’s ability to assist with emergency medical evacuation in certain countries and regions. Please contact DAN Member Services at +1 (800) 446-2671 or Member@DAN.org for more information.

What happens if the borders close where I’m visiting and I need medical evacuation not related to COVID-19?

DAN has limited ability to provide evacuation services in countries or regions that have been affected by the pandemic, including COVID-19 “hotspots” within the United States and Canada. Since each situation will be different (varying by country, the reason for the evacuation, the nature of the member’s injury or illness, etc.) you should contact DAN to inquire about assistance. While DAN will be unable to effect evacuations when prevented by government mandate, every effort will be made to work with local authorities to facilitate transportation to a place where you can get needed medical care.

Please note that emergency medical transportation and travel assistance benefits exclude coverage of expenses for services, supplies, treatment or transport related to a pandemic, epidemic, or exposure to a contagious infectious disease including COVID-19.

What will happen if I contract COVID-19 on a trip? Will I be quarantined or evacuated?

These decisions will be made by local authorities, government officials and medical professionals in the location where you become ill. Some are treating in place (where you contract the illness) while others are evacuating infected persons to central facilities or their home countries. Regardless, the current protocol in many locations is to require a quarantine of at least 14 days following exposure. For those who test positive for COVID-19, the period could be substantially longer (depending on the length of a person’s illness), and you will likely be quarantined for an extended period of time (either in a facility or self-quarantine).

Emergency medical transportation and travel assistance benefits exclude coverage of expenses for services, supplies, treatment or transport related to a pandemic, epidemic, or exposure to a contagious infectious disease including COVID-19.

What if I travel to a high-risk country and need medical evacuation?

First, DAN advises against traveling to high-risk countries. DAN has limited ability to assist with services in some countries due to local impacts of COVID-19.

Since each situation will be different (varying by country, the reason for the evacuation, the nature of the injury or illness, etc.) you should contact DAN for assistance. While DAN will be unable to effect emergency medical evacuations when prevented by government mandate, every effort will be made to work with local authorities to facilitate transportation to a place where you can get needed medical care.

Again, emergency medical transportation and travel assistance benefits exclude coverage of expenses for services, supplies, treatment or transport related to a pandemic, epidemic, or exposure to a contagious infectious disease including COVID-19.

Dive Accident Insurance

Am I covered if my liveaboard cancels because of the coronavirus?

No, the diving vacation cancellation benefit does not provide coverage for a diving vacation trip that is cancelled by a liveaboard due to COVID-19 or actions of government authorities. Coverage for a cancelled diving vacation trip is only provided when the cancellation occurs due to sickness or injury that would substantially impair the person’s ability to dive, is suffered prior to the date of departure, and has been documented by the person’s physician.

Am I covered if the country I’m traveling in closes its borders and I’m prevented from taking a trip?

No, coverage for an interrupted diving vacation trip is only provided due to sickness or injury that would substantially impair the person’s ability to dive and requires interruption of the diving vacation based upon his/her physician’s recommendation.

What if the country I’m traveling to closes its borders and I’m prevented from taking a trip?

No, coverage for a cancelled diving vacation trip is only provided due to sickness or injury that would substantially impair the person’s ability to dive and requires cancellation of the diving vacation based upon his/her physician’s recommendation.

Does my dive accident insurance cover being quarantined?

No, the dive accident insurance plans provide no benefits in cases where a member is quarantined. Please refer to your Certificate for a list of the dive accident benefits, terms and conditions.

Would there be benefits for medical coverage if I were to contract COVID-19 on a dive trip?

No, accident medical insurance benefits are available for covered accidents only. Your primary health insurance, other medical expense plans and various government programs may be available to cover the costs incurred due to contracting COVID-19 on a dive trip.

Depending on the state of residence, insurance benefits are underwritten by either: 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, or 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.

NUFIC-SM-12299-20-C19

Travel Insurance

DAN’s travel insurance plan (not the dive accident plan) is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., and administered by Travel Guard, each an AIG company. For the latest travel advisory and updates regarding your Travel Guard policy, please visit this site.