Going very against the grain, I've never had DAN, though I know it's a great deal. When diving at home there is a chamber close by, as in the places I dive in the U.S. Most of my diving is very shallow solo diving, which would never require a chamber anyway. At home anyway (and most times in the U.S.), I phone my wife at a set post dive time--if I didn't she would alert authorities. While out of Canada our (costly but needed) travel health insurance does cover scuba injuries--I would need an ambulance in the U.S. places as opposed to a helicopter far from populated areas. DAN would be another cost on top of the regular coverage. If finances dictate, I would like to do some diving in far flung places at some point--then I would seriously consider DAN.