Hey Warhammer,
Good to see you.
I'd love to give you a sneak preview, but this detailed comparison of diver injury protection plans has already been submitted and is slated for publication in the April or May issue. I strongly suspect Ben Davison would take a dim view of any "peaks."
As regards DAN diver coverage, the "pre-authorization" you're referring to is only absolute in the case of air evacuation. They are very strict about this, and when you see some of the international air evac bills I cite in the article you'll readily appreciate why. PADI does let you arrange your own, but as to this freedom I would ask, "How many injured divers, or their representative, are capable of quickly arranging for air evacuation, especially in a foreign location?" It should no more difficult to contact DAN, and in most cases very likely far easier, than calling the coast guard or air charter services, if such even exist in the area.
To obtain emergency medical services (for covered injuries) at the nearest hospital or hyperbaric facility does not require "pre-authorization" by DAN. They nonetheless appreciate a call before your receive any medical services if at all possible. Given the breadth & depth of their expertise & reach, I can't imagine that an injured diver would not immediately touch base with them, situation permitting.
I think you've made a smart move. Preferred Plan, I presume?
DocVikingo