Insurance is a gamble. We all have it for our homes and cars and rarely ever use it. We have medical insurance on ourselves and many do not reap the benefits. The premiums you've listed aren't bad at all, but do add up over time. There will be a lot of exclusions and probably a maximum as to what they will pay. The insurance companies, after all, are in business to MAKE money! I don't have insurance on Raiden as I've got ample funds to cover whatever might happen. You can always "self-insure" by putting money aside every month. Should the kitty go years without needing anything extreme, you'd have yourself some money to cover something that might eventually come up.
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