rlh739
Registered
Two things that I don't get along well with are Electricity and Insurance. One leaves me on the floor, twitching and writhing in agony, and the other might electrocute me. 
I'm looking at the following situation and trying to figure out what I need for adequate coverage:
Married couple 66 and 65, pre-existing conditions are managed high blood pressure and cervical disc implants (her). We're going on several dive trips in the next year, including Little Cayman, Spice Islands, and Raja Ampat for a month-long liveaboard. We both have DAN Guardian. All trips are booked on AMEX Platinum, which seems to cover a lot of trip interruption, baggage loss, etc. situations.
So, considering that we have multiple trips, I can look toward DAN's Annual Travel Insurance (highest-tier Voyager is $1,880). Or, if I plug in numbers for one planned trip, the upper tier comes in at Single-Trip Elite for $4,055. It's hard for me to compare, because on the more expensive Elite plan, Medical & Dental comes in with less coverage, but Accidental D&D comes in with more. Emergency Assistance & Transportation is equal. This is on top of whatever Guardian gets me.
Where the plans diverge significantly is Trip Cancellation and Interruption, with the single Elite plan covering much more based on the specifics of the trip, but... AMEX should be able to cover a large part of that. Baggage coverage is essentially equal between the two plans.
My three main questions are:
1) Does it not make sense to buy the Yearly Annual Travel Insurance, or am I missing something important?
2) Does DAN's Guardian coverage plus Travel Insurance cover any non-water-related instances, e.g., hiking, touring, biking while on a trip? I'm assuming that we're quite well covered for SCUBA-related incidents.
Perhaps I'm overthinking this, but it would be nice to get some clarity. Our main priority is to be covered for medical situations; baggage can be replaced.
Thanks,
Rob

I'm looking at the following situation and trying to figure out what I need for adequate coverage:
Married couple 66 and 65, pre-existing conditions are managed high blood pressure and cervical disc implants (her). We're going on several dive trips in the next year, including Little Cayman, Spice Islands, and Raja Ampat for a month-long liveaboard. We both have DAN Guardian. All trips are booked on AMEX Platinum, which seems to cover a lot of trip interruption, baggage loss, etc. situations.
So, considering that we have multiple trips, I can look toward DAN's Annual Travel Insurance (highest-tier Voyager is $1,880). Or, if I plug in numbers for one planned trip, the upper tier comes in at Single-Trip Elite for $4,055. It's hard for me to compare, because on the more expensive Elite plan, Medical & Dental comes in with less coverage, but Accidental D&D comes in with more. Emergency Assistance & Transportation is equal. This is on top of whatever Guardian gets me.
Where the plans diverge significantly is Trip Cancellation and Interruption, with the single Elite plan covering much more based on the specifics of the trip, but... AMEX should be able to cover a large part of that. Baggage coverage is essentially equal between the two plans.
My three main questions are:
1) Does it not make sense to buy the Yearly Annual Travel Insurance, or am I missing something important?
2) Does DAN's Guardian coverage plus Travel Insurance cover any non-water-related instances, e.g., hiking, touring, biking while on a trip? I'm assuming that we're quite well covered for SCUBA-related incidents.
Perhaps I'm overthinking this, but it would be nice to get some clarity. Our main priority is to be covered for medical situations; baggage can be replaced.
Thanks,
Rob