I took a 3 month, $13K trip to Hawaii, Fiji and Australia. Spent $900 on trip insurance through DAN. Broke my ankle in Melbourne on a land-trip no less (stupid, freakin’ koala bears), and they paid for all my medical in Australia, my trip home, my missed hotels and dives for the remainder of the trip, and all my medical expenses back in the US. Worth every penny! Don’t leave home with out it.