This is my standard travel insurance policy which covers medical, belonging, cancelation etc, I keep a Dan Policy on top of this. As I am based in the UK we have free medical care when I am home and I am sure the NHS will not check what depth I was diving at if I needed medical help. I keep travel insurance as I have had to make significant claims abroad and have seen friends incur huge debts through medical emergencies whilst abroad.What is your insurance for, instructor liability or trip insurance or? I don't have to have insurance to go diving. I carry liability insurance for teaching and DAN for traveling but only one Liveaboard and one resort has ever required dive insurance that I have been to and they were very remote destinations. My medical insurance covers me if I get hurt diving in the US, I've checked. Also the website states "You can dive on your own with a buddy up to a maximum depth of 18 meters/60 feet" nothing mentioned about with a professional. My understanding of this is that was your training depth max so as a newly trained OW diver you have not been below that so have not gained that experience yet. Diving with a guide/DM/instructor below that depth is how you gain that experience.
With regard to depth my understanding is that to be certified to go deeper than 18 metres at a PADI affiliated dive centre, you must be qualified at a higher level than OW or on a course and my standard insurance is not valid if you go deeper than you are certified to
However, if we get back on point are posters here really encouraging a diver with a handful of dives, that has not been in the water for a couple of years to take a dive of about 100 feet without adequate training or supervision?