Your primary medical insurance may exclude diving as a hazardous recreational activity and/or may not provide coverage when you are traveling out of the country. If it does provide coverage, it may pay only a minimal amount for chamber treatments.

There may be large out-of-pocket payments for deductibles and co-pays. These alone can total thousands of dollars.

DAN Membership is required before dive accident insurance can be purchased. Dive accident insurance cannot be purchased alone.

The Guardian and Preferred dive accident insurance plans provide Non-Diving Accident Coverage for  Accident Medical Expenses incurred outside your home country.  The Guardian dive accident insurance plan also provides Named Water Sport Accident coverage while on a trip at least 50 miles/80 km from your home, for Accident Medical expenses, Accidental Death and Dismemberment benefits, and Permanent and Total Disability benefits.  View Compare Coverage for complete terms and conditions.

Yes, DAN offers multiple dive accident insurance plans for divers age 70 and older. Pricing and availability varies by state so explore our dive accident insurance options for members 70 and over for the most current information.

As a DAN member, Canadian residents (except for residents of Quebec) can purchase dive accident insurance to complement DAN membership. Explore our Canadian dive accident insurance page for more details.

Yes, DAN covers local and international diving.

The cost of hyperbaric chamber treatments vary.  However, the cost could range from $330-$1000 per hour plus the costs of medication and physician fees. Costs depend on how many treatments are required, the location of the dive accident and the hyperbaric chamber facility.

If Diving Equipment is lost or unintentionally damaged due to a Covered Diving Accident, this benefit will pay the present market value of the Diving Equipment at the time of the loss or damage, up to the Benefit Limit. If any item that was lost or damaged is part of an assembly of items, then the benefit is limited to the part that was lost or damaged.

*View Compare Coverage for complete terms and conditions.

DAN dive accident insurance provides global coverage. There is no minimum distance from home required before coverage goes into effect.

The DAN family membership allows the addition of family members at a preferred rate. However, each family member must be covered under their own Dive Accident Insurance Plan. Family members can be covered under different plans.

1. For any dive injury or claim questions
   or to request a claim form, contact:
   DAN Services, Inc.
   Attn: DAN Claims
   6 West Colony Place, Suite 200
   Durham, NC 27705
   Phone: +1-800-446-2671 or +1-919-684-2948
   Fax: +1-919-490-6630
   Email:
2. Complete the claim form in full.
   Please answer all questions completely. If you don’t, the form may be returned to you and could delay payment of the claim. Be sure to sign the claim form.
3. Ask the hospital and/or doctor to complete 
   the reverse side of the Form and return it to you. If an invoice is available, ask them to attach it to the form.
4. Attach any other bills, documents or statements that apply to the claim. It is important that they contain the right information.
5. Make copies of your forms and bills for your records — your originals will not be returned.
6. If you received a payment from any other Insurance, you must send the Explanation of Benefits with your bills before your claim can be settled.
7. Please forward your package to:
   DAN Services, Inc.
   Attn: DAN Claims
   6 West Colony Place, Suite 200
   Durham, NC 27705
   Phone: +1-800-446-2671 or +1-919-684-2948
   Fax: +1-919-490-6630
   Email:

DAN dive accident insurance plans provide coverage from the date of purchase. If you have not departed on your trip or collected benefits under the DAN dive accident insurance plan, you have the right to cancel your insurance for a full refund within 10 days of purchase.  

Other requests for full or partial refunds will be evaluated on the facts of each request. Once you have collected benefits under your dive accident insurance plan, a refund is not permissible. To initiate the refund process, each person covered under a dive accident insurance plan must submit a request to cancel in writing with a handwritten signature (document can be scanned or emailed).

For residents of Indiana, New Hampshire and Washington, please refer to your Insurance Policy for details.

Commercial diving is not covered. DAN offers dive accident insurance for recreational divers. A covered dive or a covered diving activity means a recreational dive or diving while a scuba instructor, dive master, underwater photographer, or while performing research under the auspices of a Underwater Scientist (AAUS), Canadian Academy of Underwater Scientist (CAUS) or a group whose written diving research protocol meets or exceeds those of the AAUS or CAUS. A covered dive begins upon entry into the water and ends upon exit from the water and the covered dive must begin while the dive accident insurance is in force.

Contact DAN and we will be happy to update your account.

Covered charges include the reasonable and customary cost of medically necessary services and supplies provided for the care and treatment of a Covered Diving Accident, up to the Benefit Limit, when prescribed, performed or ordered by a physician incurred within 365 days of the accident. This includes:

• Hyperbaric Chamber Treatment
• Physician’s Charges for Hyperbaric Chamber Treatment medical care and surgical operations
• Ambulance transportation by ground, air or marine ambulance services to the nearest Hospital or Hyperbaric Chamber where prescribed care or treatment can be given
• Hospital charges

View Compare Coverage for complete terms and conditions.