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For divers about to book a trip who don’t want to read 40 pages of policy language to figure out what they’re buying. Plain English, the coverages that actually matter, and the fine-print traps to watch for.

A short, useful guide. Not insurance advice, but exactly the kind of orientation we wish every traveler had before they shopped a policy. By the end you’ll know what to ask, what to ignore, and where the real risk sits.