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How the Divers Alert Network Works

        Adventure | Water Sports

Divers Alert Network Insurance
The Divers Alert Network provides insurance for divers' equipment as well as medical insurance plans.
The Divers Alert Network provides insurance for divers' equipment as well as medical insurance plans.
© Stephen Frink/Photodisc/Getty Images

Divers are adventurous, and they take trips. Sometimes, they have accidents that can hurt themselves or their equipment. Some accidents involve common medical problems that can be complicated by diving, such as joint injuries or heart attack. Others are specific to diving, such as decompression illness. Equipment can be dropped, snagged or lost underwater during an emergency.With Divers Alert Network insurance, however, the diver is financially protected.

A Divers Alert Network membership provides the opportunity to obtain trip, equipment, dive accident and group term life insurance. Specialized insurance is one of many Divers Alert Network benefits.

The last thing any diver wants is an accident, but it pays to be prepared if one does occur. DAN offers dive accident insurance at three levels -- Preferred, Master and Standard programs.

Preferred is the most comprehensive of the three and costs $70 per year. Preferred program members are covered up to $250,000 per occurrence and most injuries -- from decompression illness to skin diving and snorkeling -- are covered, and there is no limit on the diving depths covered. It also provides $15,000 accidental death and dismemberment and/or total disability payment, as well as some coverage for extras, such as accommodations, transportation and lost equipment. The Preferred Program covers other non-accident items, such as $10,000 in medical costs for non-dive accidents, $10,000 for vacation cancellation costs and $5,000 for vacation interruption.

The other two levels of coverage -- Master and Standard -- also provide coverage at lower prices.

DAN trip insurance is sold exclusively online and covers trip cancellation and interruption, tour costs, travel delays, your baggage and personal effects. It also provides some medical and accidental death and dismemberment coverage. Optional packages include a $35,000 collision damage waiver and umbrella package that doubles medical expense coverage to $40,000 and other upgrades. DAN trip insurance premiums vary by destination, length of stay and estimated travel costs.

DAN equipment insurance protects your expensive gear from water damage. The insurance carrier working with DAN covers the diver anywhere in the world, providing replacement funds for dive equipment and cameras. Online enrollment immediately covers the diver, who must be DAN members and reside in the United States.

DAN members also are eligible for group term life insurance tailored for divers. The policy can pay your survivors up to $200,000 in protection and can be used as your main life insurance or to supplement existing coverage. Coverage is open to DAN members and their spouses and is renewable up to age 70. There are many options available.

Divers need to stay current on the changing industry. Check out the next page to find out about membership programs.