I have found most dive gear and trip insurance useless, read the fine print. Some gear insurance requires them to do the repairs, some pay to have it done. Some replace a flooded camera with a used camera.
Trip insurance told me I needed a police report, paid $25 for report and then they told me they didn’t cover stolen cash or the price of the police report. Didn’t cover travel agent going on vacation with your money. Didn’t cover flight change charges when the airline doesn’t go there anymore. I will buy insurance for an expensive trip when there is a chance a family member go get sick and we would need to cancel.