Many people have told me that I should at least have ambulance cover - but I have never in my entire life needed an ambulance, and if the need actually arose where one was required, I have the funds (or access to funds) to pay the debt - and I would still be better off financially to pay when and if I used one: unless I suddenly planned on using an ambulance at least once a year.
Ok, each to their own. But seriously, if you or one of your family members had to be airlifted by helicopter or whatever, you wouldn't be looking at $800. Probably more like $15,000 or $20,000. And the average trip in a road ambulance is something like $5,000. For $100 a year or whatever the ambulance cover is, I can't see how you would be financially better off even if you or your family only used it once in your life time.

Personally, I like having the security of knowing that I can call an ambulance at the drop of a hat - if something happens I won't be trying to weigh up if it is serious enough or not to require, I will just call.

JMO