I would suggest getting insurance if you are not financial stable. I don't have money coming out of my ears (yet!!) so I have insurance incase anything comes up. I too have the 19.00/month plan which doesn not cover annual shot and all that but it wasn't worth it to me. It made more sense for me to just get the plan for emergencies. So far I have made two claims and saved money!! It's been totally worth it for me. The deductable it $50. Good luck |