Ok I have heard it is not a matter of "if" but "when" your camera floods. I just got a new canon g12 with a recsea housing and I hate the thought of a flood but if it is inevitable I understand Dan offers some sort of insurance policy. Has anyone had any experience with it? I only go on about 3 trips a yr but I'm willing to pay all yr. around if it is at all reasonable but does it cover replacement costs or is it on a highly depreciated schedule? I am not currently a Dan member - I carry dive assure for my medical and trip because I prefer it to be primary, not secondary insurance but again. I'll happily join for camera coverage.