If you can afford it and want to get it then go for it. I personally dont like the idea of paying so much and possibly not using it. So upon the recommendation of a fellow YTer I go Care Credit. You can check it out and see if you feel that it will work for you. I rather pay for what I actually use. So many things fall under the uncovered zone with the insurances (JMO) that I opted to not bother. Plus I find the price a bit much.
www.carecredit.com