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We offer FREE medical coverage for introductory students.

✔ Offered at no cost to you

✔ Up to US$25,000 coverage for medical expenses for injuries occurring during entry-level training

✔ Coverage ends 180 days after registration or until last certifying dive

✔ Easy Enrollment

Thank you for using this affiliate link which gives us points to buy new safety equipment for our training and travel program.
Submerged Scuba Business Member #: 2483091

Dive Accident Insurance

Available for all DAN Members.

  • Three Plans Available
  • Provides coverage for the medical costs
    of diving accidents
  • No mileage restrictions on diving accidents
  • Emergency Hotline 24/7

Do I really need dive accident insurance?
I have primary medical coverage

Your primary medical insurance may exclude scuba 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 are also often large out-of-pocket payments for deductibles and co-pays. These alone can total thousands of dollars.

The DAN Dive Accident Insurance Plans are recognized worldwide and can be confirmed 24 hours a day through the DAN Emergency Hotline (+1-919-684-9111). The DAN plans provide secondary coverage of up to $500,000 and pay
100% of eligible expenses.

What do Dive Accident
Insurance Benefits Cover?

Dive Accident
Insurance Plans

  Guardian   Preferred   Master  
   $125    $ 75    $40  
Medical Dive Accident Coverage $500,000 PO $250,000 PO $125,000 LT
Accidental Death & Dismemberment $30,000   $15,000   $15,000  
Permanent & Total Disability $30,000   $15,000   $15,000  
Extra Transportation $10,000   $2,000   $1,000  
Extra Accommodation $10,000   $3,000   $1,500  
Lost Diving Equipment $5,000   $2,500   $2,500  
Medical Non-Dive Accident Coverage $20,000 PO $10,000 LT    
Additional Medical Transportation $100,000          
Home Country Medical Evacuation $50,000          
Search & Rescue $50,000          
Medical Coverage for Named Water Sports $30,000          
PO = Per Occurrence   LT = Lifetime    

Medical Dive Accident Coverage

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 when prescribed, performed or ordered by a Physician. 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

Accidental Death and Dismemberment

This coverage is for loss resulting from a Covered Diving Accident.

Permanent & Total Disability

Permanent Total Disability must result from a Covered Diving Accident. Permanent Total Disability means that an Insured Person is unable to perform the substantial and material duties of any occupation, if employed, or if retired, all of the normal activities for a person of like age and sex in good health.

Extra Transportation Costs

If an insured person is prevented from using their purchased ticket to return home based on the written advice of the attending Physician because of a Covered Diving Accident, the coverage pays for the cost of transportation for the return trip home.

Extra Accommodation Costs

If an insured person is delayed from returning home based on the written advice of the attending Physician because of a Covered Diving Accident, the coverage pays the cost of extra accommodations for the duration of the delay.

Loss of Diving Equipment

Coverage is for diving equipment that is worn on the diver's person that is "cut loose" and is lost or damaged as a result of a Covered Diving Accident. This coverage excludes watches, torn straps or buckles, or photographic equipment.


DAN Getting Started Guide - "Giant Stride"

DAN Scientific Guides

Diabetes and Recreational Diving

Flying After Diving

Medical Examination of Diving Fatalities

Patent Foramen Ovale and Fitness


  • 690 Radford Street
    Christiansburg, Virginia 24073
  • Text/Call: (540) 315-1020
  • Email:
  • Hours: Mon - Thu  |  11:30 - 5:30
                 or by appointment