I would be interested in hearing from people who have filed dive injury claims with DAN or other dive insurers. Is DAN reliable? Do you have to pay first, then be reimbursed for injury charges? How long does that take?
I am volunteering on an underwater archaeology project this summer where the sponsor requires proof of insurance. I contacted my federal government insurer, Mail Handlers Benefit Plan (a popular Washington DC area plan comparable to Blue Cross/Blue Shield in its coverage) to clarify their coverage of diving injuries in foreign countries. All I wanted initially was a clear, written statement of my coverage for the project sponsor. Personally, I also was concerned about decompression chamber treatment because of its expense (it is called hyperbaric oxygen therapy in the insurance community).
What evolved was a series of emails that were outrageous, particularly considering that Mail Handlers Benefit Plan is a major insurance plan for federal employees and partially paid for by the government (i.e., the taxpayer). The company's representative would not answer my questions, accused me of attempting to find out secret charging codes to provide to someone to bill them (fraud was implied), attempting to obtain "guaranteed benefits," and eventually said they would not respond to any more questions because I was being "disrespectful."
Of course I am filing complaints with the federal government's program office, but in the meantime, I need verifiable insurance. Thus, my questions about DAN.