We have had PHI since DH & I have been together - which has been about 7yrs now, and I wouldn't be without it.

My ex DH (and father of my DS) refused to get it, despite my ever present medical issues (endo, and all of the IVF etc)... There were too many times where I should have had operations when I needed them and not when I had served my time on a waiting list.... I had an emergency c/s with Luke after numerous complications (I was in labour for 56 and a half hrs before they decided to give me an epidural and deliver him via c/s), I had the doctor on call (who was on the golf course and didn't have service to answer his page).
Afterwards, I caught an infection from the c/s that went undetected for a long time, because despite repeated visits back to say something was wrong, I had to wait on a waiting list for too long for another lap to realise that the infection was still there and had now damaged my tubes so much that IVF was my only possibility for more children......

Now, I know that I'm the extreme, (I seem to have this tendency in all aspects of my life, everything's a drama )... But if I had had PHI at that time, my life may be very, very different now.

We're with Manchester Unity (they advise to let them know as soon as you know you're pg, and there is some form of cover when you give birth, although there is usually a 12 month waiting period - I think??? - for obstetrics).
We get 2 check up and cleans each a year under dental cover that costs us nothing, and the PHI drops my IVF costs down by almost $1500 each go, because of the hospital fees, etc.

If you do your research (we went with Man Unity because they offered the best cover with assisted conception), and use it as much as you can, then you well and truly get your money's worth.
I claim everything - acupuncture, sports shoes, weight watchers... everything.

Its funny how a lot of people have the misconception that you are snobby, rich or stuck up if you have PHI - Most people will spend $150 a month on foxtel or something similar without batting an eyelid, but think the same amount on PHI is too expensive???!!!!! Priorities....

My cousin has forever picked on us saying that I'm a stresser and that I'm too pessimistic.. constantly tells me what a waste it is. (I'm over prepared for something to go wrong).
Its not just about things going wrong, but prevention and maintaining health as well.
Last year her hubby had to have 3 teeth taken out (it was a necessity because it was making him quite ill)... and it cost them over $3000.... now, we didn't pay that all year in our cover, AND, had he been covered under PHI with his 2 free check ups a year, the issue would have been identified well before it got to that point

Its up to you, hun, but NEVER think its a waste of money, or its for snobby rich people.
Its for what you think is most important for your family.

HTH xxx