I used them years ago and analysis was not overwhelming . Getting ready to go to Abacos and want as much insurance as possible. Roff’s is a little pricey but a fraction of our vacation budget . Anybody think it is money well-spent ?
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Locally it’s really over priced and just not worth it. For a charter that has steady bookings yes. For the weekend guys Follow the charters. But not to close. Still follow the signs. Temp change Color change, sea life flyers turtles birds solid weed lines and rips . Look out for anything floating. Once we filled up the box next to a floating chair!