We are members of DAN, but have always used the Platinum plan from Dive Assure. If I remember correctly, the big difference if you read the plans closely is that Dive Assure is primary coverage, DAN is not. Just recently received notice from Dive Assure that they are offering a new product of DAN services as an add on to their coverage. You may want to also call Dive Assure and your personal insurance broker to get all of your questions answered.