Dive Accident Case Summary
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 Guardian dive accident insurance 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.
A 64-year old DAN member with more than 800 dives traveled to the Maldives in 2019 to embark on a liveaboard dive vacation. He completed two days of diving, each day making three, one-hour dives to depths between 82 and 98 ft (25 and 30 M) on nitrox. He made safety stops after each dive.
Symptoms, Diagnosis & Treatment
About 15-20 minutes after surfacing from his last dive, he began to experience vertigo, shoulder pain, tingling sensations in his left leg, and a marbled rash on his back and abdomen. He then experienced nausea and vomiting over the next hour and a half, with pain in both shoulders and his neck. He was taken to a local health clinic where he presented with a loss of consciousness, responses to pain, drowsiness, joint pain, bluish bands both side of chest, and vomiting.
He was put on continuous oxygen and transported 9-hours via boat to the nearest emergency room and hyperbaric center for further treatment. When he arrived he was unable to stand or even sit stably without help. After checking his vital signs, conducting a neurological examination and reviewing his medical history. This diver had previously suffered two cases of DCS in 2002 and 2004 respectively.
After his initial examination he was given IV fluids and anti-nausea medication then transported to a hyperbaric chamber within 50 minutes. His first hyperbaric treatment improved his symptoms of pain, paresthesia, and marbled skin rash but did not resolve or improve his dizziness and he still required assistance to walk.
Because his symptoms persisted and his skin rash reappeared he was given second hyperbaric treatment the following afternoon, which improved all symptoms other than his unsteady walk. Four additional treatments were administered daily over the next two days and the diver reported feeling better, however, he still experienced some symptoms of vertigo and continued to have an unsteady walk. This led the attending physician to conclude that an inner-ear DCS was contributing to these symptoms.
This diver was discharged from care and advised not to continue diving. He was strongly cautioned regarding a return to diving without an intensive fitness-to-dive examination and evaluation by several specialists. 48 hours later he was cleared to fly home with a non-medical escort and motor cart or wheelchair assistance between gates.
In addition to the medical expenses he incurred as a result of his diving accident, this DAN member and his wife also lost 4 of the 7 days of their pre-paid non-refundable liveaboard trip, incurred cancellation fees for a future dive vacation trip to Australia and incurred extra hotel and meal expenses during his out-patient treatment.
DAN TravelAssist benefits paid for his emergency medical evacuation by boat to the emergency clinic, covered phone calls, translation services, pre-arranged medical repatriation for the diver and his wife, and pre-authorized ground transport expense reimbursement for transport to the airport from the hospital.
This member’s Guardian dive accident insurance plan paid for his treatments at a Recompression Chamber Network, one that is a preferred provider in DAN’s referral network for hyperbaric treatment, covered lost liveaboard expenses for him and his travel companion for their trip interruption, reimbursed him for trip cancellation fees for the forfeited deposit on a future dive trip to Australia, and covered extra accommodations fees.
Dive Accident Insurance Resources
DAN Customer Service
PHONE: Mon-Fri 8:30am-5:00pm EST
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24/7 Emergency Hotline
In event of a dive accident/injury, call local EMS first, then call DAN.
24/7 Emergency Hotline
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DAN must arrange transportation for covered emergency medical evacuation fees to be paid.
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Individual had primary medical insurance. Eligible medical expenses not paid by primary medical insurance were covered under DAN’s TravelAssist member benefit and DAN’s Guardian Plan. The scenario summarized above is offered only as an example. 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 or may not be available in all states.
In Canada, DAN Dive Accident Insurance is underwritten by AIG Insurance Company of Canada, Group Policy No. SRG 9134763. This plan is subject to the terms, conditions, exclusions and limitations of the group policy. Coverage may vary or may not be available in all provinces. The underwriting risks, financial and contractual obligations and support functions associated with the products issued by AIG Insurance Company of Canada are its responsibility. This section highlights your group diving accident insurance benefits from AIG Insurance Company of Canada. It does not constitute a contract of insurance. If there is a conflict between this material and the legal document, the provisions of the legal documents will govern. Divers Alert Network is subject to the rules and regulations of the United States of America and must follow US State Department regulations. DAN cannot support insurance benefits in countries that are embargoed. Please contact the US State Department website for further details.