I used to work for an insurance company, so I am generally against insurance. It's all a risk, basically you could pay and pay and get ripped off, or you might be the person that actually has an expensive claim and gets their money's worth.
The odds are that you will pay more in premiums than you will use (if the odds were the opposite, the insurance companies would not make a profit. But they make a LOT of profit!).
I am more inclined to research the premiums, and then pay that amount to your savings account every month. That way it's there if there's an unfortunate emergency, and if not it's still your money.