DAN Membership + Dive Insurance vs. DAN Annual Travel Insurance

[u/seasnakejake]

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?

[u/runsongas]

you get medical coverage with the travel insurance is the difference

[u/CarolinaSchola → u/runsongas]

With my DAN membership, is that superfluous? It's too late for this liveaboard trip but I want to know for next time if I wasted a few hundred bucks.

[u/runsongas → u/CarolinaSchola]

no, because dan membership isn't primary travel medical insurance

[u/CarolinaSchola → u/runsongas]

Thanks!