Dan dive insurance is a must! Dan travel insurance not so much, decide what you want travel insurance for. Trip delay? Trip cancelation? Baggage delay? Then do a search. But for dive insurance we won't dive without it. Sure the odds are low,like their premiums, but I had the unfortunate experience of a diver in our group using it and the support was exceptional. We seldom get travel insurance because of the expense, after a few trips we have paid for another trip. Don't be insurance poor, its like life insurance- if I die I win, if I live I lose. I will bet that I live.