I am lucky to have top notch medical insurance coverage, but still have DAN's dive insurance. DAN gives me a whole lot of bang for not many bucks, and allows me to dive worry free as far as dive medical bills are concerned. Of course, if you never use it, you have unnecessary insurance. However, without DAN or comparable, one dive accident could be catastrophic to your long term economic security and stability. Whatever insurance you decide is best for you, make absolutely sure you read and understand every sentence of the insurance policy. Don't assume anything. Your best interest is not necessarily compatible with the insurance company's interests.