The value of DAN for non-divers is the Med-i-Vac (repatriation) insurance. In case of a major injury or something the local medical
system cannot deal with - DAN will assist and pay for the cost of the private jet to return you to the USA for advanced medical treatment.
- - For US$100/year for me (I'm a diver) - if I have to be Med-i-Vac's back to the States it saves me more than US$30K. Good deal.
- - But for Medical Insurance inside the USA that is something you have to either maintain before and during your international cruising, otherwise being Med-i-Vac's back is of little or no value as you cannot pay for hospital/doctor service
- - For International Medical Insurance - it pretty much is for those cases where you want to use the "private" medical half of a country's medical system. The public clinics are pretty much "free" but of much lower standards of care than the "private" systems.
- - If you are "never" going to return - that is a pretty big "if" as when you get older or incur a medical situation/injury that is beyond the local country's abilities you have boxed yourself into a corner where the only out is to die - whereas if you maintained links to your USA medical you could get the necessary medical care to stay alive.
- - The cruising life is built around the axiom that "you're in charge of your life and death" so unlike living inside the USA, where the governments and activist groups are in charge of your life - you can make your own decisions in the matter.