Here’s a short story. I have a friend whose wife was on her very first open water dive in Mexico after certification. At the end of the dive she grabbed the boat ladder with one hand. A large wave hit the boat and her shoulder was dislocated and damaged. DAN paid for the ambulance to ER, evacuation to the US, ER in the US, surgery and two rounds of rehab after surgery.
It is very inexpensive insurance for the potential benefit.
I've never personally needed it, and hopefully you will never need. But the decision to have it should be an easy one.