I had singles cover which didn't cover preg so went public for birth, then took out family when ds was 6 months old. There are some times when it's def worth having it. For example if your baby is prone to ear infextions, if you have private cover you can get grommits staright away, but if you're public I know some people that have had to wait 12 months!

At the very least get ambulance cover - we had to make a rush trip into hospital when ds had gastro at 5 months. If we'd had to call an ambulance it would have cost a fortune.