Do you have current dive insurance?

[littleleemur]

I'll have a look for it

DAN, PADI, Dive assure and Diver Security Insurance was reviewed I think. There weren't any main differences overall, just the smaller category differences: i.e when the insurance starts (when you get on the boat, dock, get in the water etc), when it ends, what other stuff is covered (i.e. accidents while monkeying around on the boat during the SI are not covered) etc, knocking your computer over the side of the boat not being covered....

It basically came down to what type of diver you are and the people you usually dive with.

It might be this one, but I remember much more detail & everything being summarized in a table:

www dot scuba diving dot com/training/basicskills/TN_basic_consumers_guide_to_dive_insurance

[dalehall]

Dan Master Plan for me also. Just renewed it for another year last week. I've never needed it, but I go by the same mindset about that as I do my gun: Better to have it and not need it, than to need it and not have it.

[lottie]

I'll have a look for it

DAN, PADI, Dive assure and Diver Security Insurance was reviewed I think.

I think PADI now recommends DAN as i tried to sign up with the PADI insurance when i was looking at insurance back in June.

I've got DAN Master cover - to echo Dale's sentiments - better to be safe than sorry (but not in relation to having a weapon)

[hbh2oguard]

PADI does reccomend DAN, a DAN insert comes with most of the PADI stuff I get in the mail.

[BamaCaveDiver]

I have been carrying DAN's Preferred plan for the past 9 years and have nothing but good things to say about the organization and the policies they offer. I had the opportunity to make use of my policy a few years back, and just that one instance has enabled the policy to pay for itself for life. Chamber trips can be downright expensive and many insurance companies will balk if they hear the cause was dive related.

DAN's policies are considered secondary, meaning they will not pay until after your primary carrier has done their thing. This spooks some folks, but it is really of no great concern. My primary would not even think about covering any of the chamber ride costs, so DAN paid 100% (they even filled out the forms for me so that all I had to do was sign the submitted claim) of all costs associated with that incident.

[littleleemur]

BamaCaveDiver - did that claim affect your current insurance with DAN? Are you paying more now & how did that affect the "lifetime" maximum clause?

Sometimes you can get bent even if you didn't deserve it, so it's always good have insurance.

[Chantelle]

Yep, I have Dan as well

[seasnake]

DAN for me too.

[BamaCaveDiver]

BamaCaveDiver - did that claim affect your current insurance with DAN? Are you paying more now & how did that affect the "lifetime" maximum clause?

Sometimes you can get bent even if you didn't deserve it, so it's always good have insurance.

No rate increases due to filing a claim, I pay the same as everyone else for the coverage I currently carry. Like any insurance, they do keep records of what has been paid out, so yes the claim did affect the lifetime maximum (if it did not affect the limit, then what would be the purpose of having the limit in the first place?).

It's funny, but I never really thought much about those lifetime maximums that all policies carry (who could ever go through a million dollars worth of medical treatment over the span of their lifetime?) until I saw the first hospital bill from my big accident of 10 years ago; at the two month mark of my hospitalization (spent 4 months in traction) the bill was already beyond the $300K mark. Since that time, I now look a bit closer at the maximum lifetime payouts.

[acelockco]

Well, how does that maximum work in this example:

You have the lower level of insurance with a maximum lifetime amount.

Then you have an incident

After your incident, you figure maybe I should upgrade to the top of the line policy that does not have any lifetime maximum.

Would you then have no maximum as if the first incident never happened?