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One thing I can say for sure... if you want DAN to cover it, you HAVE to be in the water... for instance, my wife when she broke her leg, she was literally walking away from the dive site (the beach) when she fell, with gear on... no coverage except for the 10k general non-diving insurance (a broken leg like hers will probably total 50k or more by the time we're done), however, had her foot still been in the water, it would have been covered under the blanket dive accident policy...
just keep that little tidbit in mind...
and medical evacuation is only 10k worth of coverage... that doesn't get you terribly far...
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-cody / come dive with me - canebayscuba.com
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