We just have ambulence cover for the whole family. We are all pretty healthy so dont really need anything else at the moment. We pay $53 per year for the 4 of us. Its something that dads always pushed to me to make essential as if ever an ambulence is called for you, whether you really need it or not, you have to pay for it, and its not cheap. This covers the full cost. Especially now with kids, you never know what will happen. My girlfriend's son has already had an ambulence called for him at preschool once.