COVID-19 Emergency

1. Does DAN cover travel disruption or cancellation due to COVID-19?

The insurance plans provided by DAN Europe cover medical emergencies. They are designed to pay for medical treatments and additional travel expenses caused by unforeseen injury or illness.

Our policies don’t cover any cancellation, curtailment, trip interruption or additional accommodation costs caused by COVID-19, lockdown situations or any other governmental advisory.

You can find additional information on this subject on our website - See FAQ #7 Is a standard travel insurance included other than the diving insurance?

We also invite you to visit the News section of our website, where you will find regular updates regarding the COVID-19 outbreak.

2. The country I am due to fly from is under lockdown and airports are closed. Am I covered for extra travel expenses?

The insurance plans provided by DAN Europe cover medical emergencies. We do not cover the cost of any additional travel and accommodation expenses in the event of flight cancellation or airline closure. We recommend you contact your travel providers for guidance on alternative travel arrangements.

3. I am currently travelling. Am I covered if I become sick or unwell, or in case of diving and non-diving accidents?

We will do whatever we can to help, and to meet our obligations under your policy in respect of medical and hospital expenses, and all other policy benefits. However, we remind you that our insurance plans have specific limitations and exclusions regarding travelling against the advice of your government.

If your journey started before your government issued restrictive measures, cover stays active, within the limits of your insurance plan. Please note that you are expected to accept any repatriation options provided by your country of residence.

It is important to note that the current pandemic has rendered moving individuals from one country to another, even for medical reasons, much more difficult because of the absence of flights other than those organised by governments to repatriate their still healthy citizens. It is very likely ill individuals will have to be treated in situ.

Our recommendation to all DAN Members is to not expose themselves to unnecessary risk in this particular time. This includes limiting or refraining from diving activities, beacause of the increasing unavailability of appropriate treatment facilities should DCI occur.

Members must take advantage of any opportunity to return home as soon as such an opportunity presents itself, rather than risking to remain trapped in a foreign country for possibly several weeks. Please remember that it’s of utmost importance to keep yourself informed of the current instructions issued by your country of residence, and those of the country where you currently are, and strictly follow them.

We also invite you to visit the News section of our website, where you will find regular updates regarding the COVID-19 outbreak.

4. I am currently travelling, and I have symptoms / I have been diagnosed with COVID-19. Am I covered?

The Coronavirus outbreak has officially been declared a pandemic by the World Health Organization (WHO). Many countries are under lockdown and imposed travel restrictions.

DAN Europe insurance plans have specific limitations and exclusions regarding travelling against the advice of your government. Please also have a look at our info regarding COVID-19 and DAN Insurance.

If your journey started before your government issued restrictive measures, cover stays active and we will pay for medical expenses up to the amount shown in your schedule of benefits, and subject to the terms and conditions of your policy. We may also cover the cost of additional travel expenses incurred.

It’s important for you to know that in case you are testing positive for COVID-19, you might be put in quarantine for a defined period in the country in which you find yourself, and you will not be allowed to be moved.

When more nationals of the same country contracted the virus in the same area, their government may decide to repatriate them all in a single movement in order that a mass containment and subsequent quarantine of all these people can be managed. This would be out of our control and thus subject to the individual government’s rules and practices.

Our recommendation to all DAN Members is to not expose themselves to unnecessary risk in this particular time. This includes limiting or refraining from diving activities, beacause of the increasing unavailability of appropriate treatment facilities should DCI occur.

Members must take advantage of any opportunity to return home as soon as such an opportunity presents itself, rather than risking to remain trapped in a foreign country for possibly several weeks. Please remember that it’s of utmost importance to keep yourself informed of the current instructions issued by your country of residence, and those of the country where you currently are, and strictly follow them.

We also invite you to visit the News section of our website, where you will find regular updates regarding the COVID-19 outbreak.

5. How does the Covid-19 pandemic affect my DAN insurance cover?
  • Our assistance team remains available 24/7, via our emergency contacts, for urgent medical questions and to direct you to appropriate care.
  • However, if you decide to travel against the guidelines issued by your Government, you are putting yourself at excessive risk and DAN Europe's insurance may not cover claims caused by Covid-19.
  • Though we cannot ensure coverage of specialized medical care or repatriation expenses, we will always guarantee coverage of the first medical assessment to ensure the stabilization of the patient.
  • On the other hand, if you have travelled abroad before your Government issued restrictive measures, cover stays active unless your government provides early repatriation from the high risk area which you are expected to accept.
  • In any case, we invite you to contact the relevant authorities and follow their advice on safety procedures.
  • Please also remember that DAN provides medical insurance, and does not cover trip cancellation.

Important notice: the information displayed in this page is not meant in any way to replace or complete the insurance conditions and certificates