Does anybody purchase it? If they do who should I go with? A guy I work with has a brother who went to cancun a couple of years back and while he was swimming back to shore a wave picked him up and smacked him into the ground breaking his back. He had no insurance so it ended up costing him 30grand to fly him back to florida on an emergency privete jet, and then another 10grand to fly him back up here in michigan. Guy is still recovering. Paralazed from the neck down. Now if he would have been covered it wouldnt have cost him that much to get back. So I'm thinking of purchasing it because its not worth the risk. What do you guys thing?