I didn't have it until i was PG with DD1, thank god i got it just in time
Had it every year since, i keep telling my brother to make sure he has it, he was in a football accident a few yrs back and was FLOWN to melbourne in helimed... LUCKILY he was still on my dads private health, it would have cost THOUSANDS.
I had a friend who ahd a car accident, no ambulance cover.. lets just say she wasn't buying any new shoes or clothes anytime soon.

It's one of those things i've found younger people say 18-20yr olds don't generally get.. and it's so so vital!