I just signed up and paid $35 for a membership. After paying, I read through all the information and noticed they won't pay for any medial stuff if you don't call TravelAssist and get a pre-auth. If I'm floating on top of the water and someone helps me, how would they ever know I had DAN membership and how would they know who to call? Seems like a membership that isn't worth the $35. Am I missing something???