DAN Dive Accident Insurance Claim Stories

DAN Dive Accident Insurance May Make A World Of Difference

When you’re far from home and need emergency medical assistance, it pays to have DAN dive accident insurance on your side. See how these members benefited from DAN’s 40 years of experience helping divers.

Aerial view of a reef off the coast of Honduras

Barotrauma In Honduras*

After multiple days of diving within recreational limits, a diver began to display signs of DCS and experience neurological symptoms. After being evaluated by a dive medicine specialist, the diver was diagnosed with severe barotrauma and DCS. 

The cost of treatment was US$31,763. Her primary insurance covered a fraction of these expenses, but DAN dive accident insurance Preferred Plan* helped cover the remaining eligible expenses.

DCS In The Maldives*

During a trip to the Maldives, a couple experienced skin rashes, dizziness and nausea after their second day of diving. When the wife collapsed, they were rushed to the hospital, and both were diagnosed with decompression sickness. 

The divers underwent several days of hyperbaric treatments, which cost US$33,697.00. They had no travel insurance or health insurance, but their DAN dive accident insurance Guardian Plan* paid 100% of their eligible medical expenses.

DCS Evacuation From The Maldives*

Twenty minutes after surfacing, a DAN member in the Maldives experienced vertigo, shoulder pain, tingling sensations and a rash. When he arrived at the local clinic he was unable to stand, and over the next several days he underwent six hyperbaric treatments.

This member’s DAN dive accident insurance Guardian Plan* covered the majority of his medical treatments, his lost liveaboard expenses, trip cancellation fees for his future scheduled dive trip and extra accommodations fees he incurred during treatment. His membership benefits alone paid 100% of his repatriation costs and travel assistance services.


Paralyzed & Disoriented in The Caribbean*

What started out as an easy Caribbean dive quickly turned into an emergency situation for a 68-year-old male DAN member. After reaching the surface, the diver immediately felt disoriented and thought the boat was drifting away. 

Once he managed to board the boat, symptoms started compounding and worsening — to the point of temporary paralysis. This member’s DAN Dive Accident Insurance Preferred Plan covered over $22,000 in medical expenses.

Dive Accident Insurance Resources

Have questions about DAN dive accident insurance? Explore these helpful resources

DAN Customer Service

PHONE: Mon-Fri 8:30am-5:00pm EST
+1 (919) 684-2948


FAX: +1 (919) 490-6630


24/7 Emergency Hotline

In event of a dive accident/injury, call local EMS first then call DAN.

24/7 Emergency Hotline


(Collect calls accepted)

DAN must arrange transportation for covered emergency medical evacuation fees to be paid.

Medical Information Line

Get answers to your non-emergency related, health and diving questions.

PHONE: Mon-Fri 8:30am-5:00pm EST

+1-919-684-2948, Option 4


ONLINE: Ask A Medic

Allow 24-48 hours for a response.

*The scenarios summarized above are offered only as examples. Coverage depends on the facts of each case and the terms, conditions and exclusions of the policy. Coverage may not be available in all states or outside of the U.S.

For residents of NY, insurance is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciled in the state of New York, with its principal place of business of 28 Liberty Street, Floor 45th, New York, NY 10005-1400. It is currently authorized to transact business in all states, plus DC, except PR. This summary is a brief description of benefits only and is subject to the terms, conditions and limitations. Coverage may vary by state.  AG 12070

For residents of all other U.S. states and the District of Columbia insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its principal place of business at 1271 Ave of the Americas FL 37, New York, NY 10020-1304. It is currently authorized to conduct insurance business in all states and the District of Columbia. NAIC No. 19445. This summary provides only brief descriptions of the coverages available. The issued policy and certificate will contain reductions, limitations, exclusions, definitions and termination provisions. Full details of the coverage will be contained in the issued policy and certificate. If there are any conflicts between this summary and the issued policy and certificate, the policy and certificate shall govern in all cases. Coverage may vary by state or may not be available in all states.

In Canada, DAN World Dive Accident Insurance is underwritten by Zurich Insurance Company Ltd (Canadian Branch) 100 King Street West, Suite 5500, P.O. Box 290, Toronto, ON M5X 1C9 CANADA