"I was evacuated from Truk Lagoon to Guam, as the local Chamber was not ready to receive me. The evacuation itself cost $60,000. The Chamber treatment and 5 day hospital stay cost an extra $10,000. Thankfully, as a DAN Member, 100% of my expenses were covered." - Joe, Singapore

Preferred Plus Plan Frequently Asked Questions

Is the Preferred Plus Plan available to residents of Australia?

No.

Are illnesses covered under the Non-Diving Accident Medical Coverage component of the Preferred Plus Plan?

No. This component is limited to non-diving accidents.

I recently had a diving trip cancelled as my connecting flight to the destination was late and, as a result, I missed my live aboard departure. Is this covered under the Preferred Plus Plan “Dive Trip Cancellation”?

No. The Trip Cancellation benefit pertains to an illness or injury that occurred after the insurance had been purchased and was deemed by a physician as sufficient in degree to recommend against travel.

Does the Preferred Plus Plan Cover my lost or stolen diving equipment?

No. DAN AP recommends that divers also take out a travel insurance policy to complement their DAN coverage as this will cover the likes of lost/stolen equipment and belongings.

If I am involved in a diving accident will my diving equipment be covered if it is lost or damaged?

Yes, so long as your Diving Equipment is accidentally damaged or lost due to a diving accident that involves urgent hospitalisation or transportation. The present market value at the time of the loss or damage will be paid up to US$2,500 per covered Diving Accident. AGI has the option to repair or replace the equipment in lieu of a cash payment.

Does the Non-Diving Accident Medical Coverage include injury resulting directly, or indirectly, from an accident involving a motorcycle, motor scooter or moped?

No.

If I have a non-diving accident when I am overseas on a diving holiday will my medical expenses be covered under the Preferred Plus Plan?

Yes. Up to US$10,000 (Lifetime Maximum Benefit) necessary medical expenses will be covered subject to us US$250 deductible. It is important to note that the diving holiday must take place outside your “home country”. The trip you are on must not exceed 3-months and must be for recreational purposes only.

IMPORTANT: Excluded from coverage is any injury, resulting directly or indirectly, from an accident involving a motorcycle, motor scooter or moped.

Does the Preferred Plus Plan cover lost or stolen mobile phones, camera’s, or other personal equipment?

No. As indicated in the Policy Document, coverage is provided only for the “Loss of Diving Equipment in the event of a Diving Accident”.

DAN AP recommends that divers also take out a travel insurance policy to complement their DAN coverage as this will cover the likes of lost/stolen equipment and personal belongings, such as phones and cameras.

If I get sick in the lead-up to a booked and paid overseas diving holiday that my Physician advises I do not go on, will the cancellation of this trip be covered?

If prior to the time and date of departure for a diving vacation an Insured person suffers an illness or injury that would substantially impair the Insured Persons ability to dive and requires the cancellation of a diving vacation, then Yes. Up to US$5,000 per injured person for losses that the Insured person incurs as a result of the cancellation (subject to a US$250 deductible).

What happens if I am on my diving vacation and I become ill or get injured and cannot complete the remainder of my planned diving vacation?

If after a diving vacation commences the Insured Person suffers an illness or injury that prevents the Insured Person from diving up to US$2,500 (Lifetime Maximum Benefit per Insured Person for losses that the Insured Person incurs as a result of such interruption, subject to a US$250 deductible, will be paid.

If I am delayed from returning home due a diving accident will my extra accommodation be covered until I am well enough to return home?

On written advice from your attending physician following a diving accident up to US$200 per day to a Maximum Benefit of US$3,000 for a covered condition. Bills and receipts of actual expenses must be provided as well as the letter from the attending physician.

What about if I am delayed from returning from due a non-diving accident or illness, will my accommodation be covered?

No.

If I miss my return flight home after a Diving Accident am I covered under the Extra Transportation benefit?

Yes. There is a maximum benefit of up to US$2,000. The delay must be on the advice of the attending Physician and the note must be provided as part of a claim. The benefit payable is equal to the difference between a new economy-class ticket and the remaining value of the original ticket.

Am I covered for pregnancy under the Non-Diving Medical Coverage component of the plan and/or the Vacation Cancellation/Interruption component?

No coverage is provided for medical expenses, which are due to pregnancy, childbirth or miscarriage under the Preferred Plus plan.

I am a European National, currently living in the Asia-Pacific. If I return to my home country to visit family and I have a non-diving accident, will my medical expenses be covered under the non-diving accident medical component?

If you are returning to the country for which you hold a Primary Passport, you will not be covered for a non-diving accident.  

Non-diving accident coverage shall not apply to an Insured Person who holds his/her primary passport from a country other than the country of his/her Residence, when the Insured Person is on a Trip to the country that issued that passport.

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