I am still on the fence with insurance for KS. I need to make up my mind, but in the meantime we have set up a savings account just for her. It has built up a bit, but if something were to happen and the bill be $3000-$4000, we'd be dipping into our own personal savings too. I need to talk to my husband about it again. I'd love to hear others opinions as well.
Try doing a search for this on YT as well. I know I've seen many discussions on the subject since I joined YT. Good luck!
