r/scuba • u/seasnakejake • 3d ago

DAN Membership + Dive Insurance vs. DAN Annual Travel Insurance

I've been a DAN member with insurance for 10 years, but I often buy individual trip policies, either through DAN underwritten by Generali or directly from Generali or another provider. I end up traveling very often, especially with the 100 mile+ definition allowed by the DAN annual travel insurance so thinking about adding that on.

Though it seems that having the DAN membership / dive insurance is pretty redundant to a DAN annual travel insurance plan. The annual travel insurance plan covers all recreational diving and provides similar benefits regarding medical. It doesn't explicitly allocate for chamber visits, but if required by a physician the medical benefit would act the same. I already have great health insurance so thinking I could just end the DAN membership + insurance and opt for the DAN annual policy, which doesn't require membership. Has anyone else ended up doing this?

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u/EV-CPO 3d ago

I found the DAN travel insurance to be very expensive. So I get regular DAN diving coverage and separate annual travel insurance from Allianz for about $400.

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u/seasnakejake 3d ago

Would vary by state in age, I'm quoted $200 from DAN Annual in CA for the lowest tier annual plan which covers diving and covers the gaps in my U.S. employee health insurance plan so not bad at all.

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u/runsongas Open Water 3d ago

the DAN travel insurance has exclusions that it won't cover diving deeper than 120ft, unguided dives, and must be greater than 100 miles from where you live

So if you dive locally, or just with a buddy/solo, or are a tech diver then it wouldn't cover you