Repatriation Insurance is cheap, DAN is $150 and is crucial for cruisers with US only insurances like Medicare and Veterans.
Not sure how to link to a thread but here it is
Repatriation Insurance (DAN)
DAN is probably a bad example since it only covers injuries while actually in the act or about in the act (e.g. in gear and jumping off the boat) of scuba or snorkeling.
However - your point it valid!