I am about to get DAN insurance for an upcoming trip. two of the four of us will be diving and I will be buying the Guardian plan. The other two will be participating in other water sports, swimming, pool and ocean, and snorkeling. I seem to recall a discussion on here that DAN insurance covers non diving related water sports injuries, so I thought it would be a good idea to get the Master plan for them. I seem to be having an issue finding that thread or any fine print on DAN that shows that anything other than Diving is covered except a line for the higher plans for non dive related injuries. Does anyone have DAN's definition of what is considered "Medical Dive Accident Coverage" and whether that includes other water-sports?