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February 2020    Download the Entire Issue (PDF) Vol. 35, No. 2   RSS Feed for Undercurrent Issues
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The Ins and Outs of Trip Insurance

if youíre over 70, DAN think youíre too old for coverage

from the February, 2020 issue of Undercurrent   Subscribe Now

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Last fall, we got a letter from Undercurrent subscriber Peg who got a shock when she tried to renew her dive trip insurance plan with Divers Alert Network (DAN). She had regularly paid for the top-of-the-line Guardian plan but was told she could do so no longer because she was too old -- DAN no longer offered the Guardian plan to those age 70 and over. When she called DAN to double-check, she was told it was a new decision made by its underwriter, AIG, who didn't want to insure anyone over the seven-decade mark. "I thought 70 was the new 60? Apparently not," our subscriber wrote.

Frank Hall and Carole Ott (Floyds Knobs, IN) are long-time DAN members, but these active, healthy divers were also told that anyone over 70 is no longer eligible for the Guardian-level plan. "DAN said they are working with AIG to try to get this restriction removed, but no guarantees," Ott told us. "I'm shocked that DAN ever agreed to accept this restriction to begin with; they should know better." Yes, especially when the majority of divers purchasing trip insurance are over a certain age and not getting any younger.

When we checked with DAN about this in December, we got this reply from Rachelle Deal, its vice president of marketing: "It is true we are working with our underwriters to change the program to support those over 70. This is a substantial and lengthy process, as each state has its own requirements and insurance regulations. The new program is almost ready for launch, and will once again make coverage available for members over 70. DAN is committed to providing the best dive accident coverage available to all age groups."...

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