AD 2017 Q4

TRAVEL SMARTER
BENEFITS THAT WORK FOR YOU
Planning a trip — whether it’s your dream vacation, a family
holiday or a business trip — requires preparation and
contingency planning that can be costly. The best way to protect
your investment is to insure your trip with travel coverage. While
plans are available from a variety of companies, not all travel insurance
is created equal. This year DAN ® has enhanced its plans’ benefits to
ensure the coverage meets the needs of not only divers but also all
travelers. Learn how these five types of coverage can protect you.
SECURITY EVACUATION
Most reputable travel insurance plans offer an emergency evacuation
benefit. This benefit, however, does not cover evacuation due to
security-related events. If you are expelled from a host country, are
declared persona non grata on the written authority of a host country’s
government, suffer a verified physical attack or threat of physical
attack, are kidnapped or find yourself amid political or military events
in which your home country advises you to leave the country to avoid, a
security evacuation benefit will provide for your safe removal from the
host country and transportation to the nearest place of safety.
BAGGAGE DELIVERY
Divers in particular rely on their baggage to safely enjoy their trips.
Baggage-delivery coverage reimburses the delivery charge from a
common carrier for checked baggage or sporting equipment that was
delayed. If your baggage is delayed during travel, you may no longer be
near the airport, and delivery of the luggage may be costly. Address this
hazard of travel ahead of time to ensure that your equipment will make
it to your final destination.
BAGGAGE DELAY
Baggage-delay benefits also ensure that your equipment follows you on
your journey, and it provides for reimbursement of necessary personal
effects up to the plan’s per-day allowance and maximum limits should
your baggage be delayed more than six hours. If your luggage is delayed
by hours or days, this benefit will provide you with clothes and vital
personal items while you wait for your baggage to be delivered
PRIMARY COVERAGE FOR MEDICAL EXPENSE BENEFITS
Most travel plans provide secondary coverage for medical expenses,
meaning they do not provide benefits until after your primary insurance
is considered, and they pay eligible charges only after your primary
insurance has paid. Primary-coverage benefits allow your travel
insurance to act as a primary-coverage plan in the event you incur
medical expenses due to injury or sickness while on a trip. This coverage
has no deductible and in some cases may provide better benefits than
your primary health insurance and at a lower cost.
PRIMARY COVERAGE FOR BAGGAGE AND SPORTING EQUIPMENT
Baggage coverage is another area in which other available plans
sound good but lack in real benefits. While most insurers offer
baggage coverage as secondary insurance, a primary-coverage benefit
allows you to ensure protection of your equipment and luggage without
paying the deductibles of other plans and with reimbursement for the
value of your baggage.
For more information on travel insurance benefits or how to secure
coverage for your travels, visit DAN.org/Travel.
PROGRAM SPOTLIGHT
BASIC LIFE SUPPORT: CPR AND FIRST AID
According to the World Health Organization (WHO), heart
disease is the most common cause of death worldwide,
accounting for almost one-third of deaths. As our population
ages, the prevalence of heart disease is expected to
increase. DAN’s Basic Life Support: CPR and First Aid (BLS:CPR&FA)
course teaches you how to identify and respond to cardiovascular
emergencies and other life-threatening
conditions as well as how to provide first
aid for common injuries.
BLS:CPR&FA was designed with divers
in mind, but its applicability extends to
everyone. In the course you will learn how
to perform cardiopulmonary resuscitation
(CPR), use an automated external
defibrillator (AED) and become familiar
with the signs and symptoms of heart
attacks and respiratory arrest. The course
covers other life-support skills such as
controlling bleeding, assisting choking victims, treating shock,
performing illness and injury assessments, bandaging wounds,
splinting injured limbs, performing emergency care and knowing
when and how to contact emergency medical personnel.
The American Heart Association (AHA) states that CPR delivered
immediately following sudden cardiac arrest can double or triple a
victim’s chance of survival, and DAN’s
BLS:CPR&FA course meets AHA and
International Liaison Committee on
Resuscitation (ILCOR) guidelines.
To make sure you are prepared
to respond quickly and effectively in
emergencies involving divers, loved
ones or others, visit DAN.org/Training.
Remember that skills deteriorate over
time, so if you have not recently taken
a BLS course, you should consider
revisiting your training.
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