Well guys.. it seems that the cost for DAN seems a lot better than what I’ve been paying. The added D.E.P.P equipment policy would run about $95.00 per year if I wanted to insure my gear. Now, just need to find out if you have to make special arrangements with DAN to dive in other countries. I’ll be traveling to Bonaire in May. A special thanks to all of you for your response, especially those of you that are on my divebuddy list. Your true divebuddies.. :)