LOL!!
I'm a little confused too now!!
What I will be looking for would be if there's an accident, like god forbid, they fall and break some bones, that should definitely be covered.
Also, according to the other YT member, they mentioned a $800 dentist bill! So I would definitely look into some dental coverage. I guess in the end it all depends on what YOU want covered and also what you can afford to pay.
I would rather pay the monthly $30-60 than having to pay $5000 for an accidental bill!
Hope this helps!