DAN Insurance: Guardian or Preferred

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Blue Cross in HK does not offer anything that flexible and generous. We are really lagging behind.
Out Consumer Council has received pretty significant number of complaints on travel insurance dispute every year.
If you are gong to step into a Hot Air balloon make sure you are insured against all odds whether it is your own fault, operator, employee, equipment, weather etc etc.

Bank got burst but insurance company seems pretty bullet proof.

I don't mind paying extra on dive/travel insurance. The extra premium is peanut as compare with the benefit of the coverage.
 
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Thanks everyone for your thoughts! I appreciate it! Some really good thoughts on checking with my own health insurance to see what they cover. Also good to know about additional trip insurance. THANK YOU!
 

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