Before you decide which travel insurance is best for you, make absolutely sure you read and understand every word in their terms and conditions, and read it from the standpoint of how their attorneys might try to deny your claim. Most people do not do that, and sometimes it bites them in the butt. A while back, I discovered DAN had a single phrase in one of their conditions that would void your travel insurance claim for an injury sustained while diving unless you were with a DM. I believe they have dropped that idiotic requirement after I complained to DAN's president, and pointed out that "gotcha" for all to see on SB. But, the lesson is: Make sure you understand what you are buying in travel insurance, and whether your planned dive activities are covered as you think they should be. The only way to protect yourself is to read the document. Don't rely on what some diver or what the insurance company's phone rep tells you.
