I am surprised that SL did not respond to the first time use as well. And I'll second Don on State Farm - also a good and relatively inexpensive policy here in Maryland. I have the DAN dive insurance, but although I have listed dive equipment with them... the cameras are not in there for flooding... only if stolen. As Don says, their other products are variable, you can get better trip interruption coverage from a few providers, theirs is just a self branded version of one of the standard ones.