I don't and I think I am going to get some.
I was always on the fence about it but putting 10,000 in an account just for Ellie right now is not possible and should something serioius go wrong, I want her to be covered. Since pre existing conditions aren't included, she won't be covered for too much.
There are just a few major things that can go wrong as they get older that I want covered. I am calling Embrace today.