Yeah, I looked into pet insurance and the premiums seemed insane to me.
Right, so you're screwed if you have a car crash or other accident that severely injures (but not kills) both of you.
Also health insurance generally doesn't cover pre-existing conditions, and similarly income-protection insurance can have exclusions for particular conditions, so if you decide to put off getting these types insurance for 5-10 years until you "need" them, you may find out that they're not actually very useful because of what happened in the intervening time.
Of course, should that ever happen, we'd probably insure the remaining worker.
Also health insurance generally doesn't cover pre-existing conditions, and similarly income-protection insurance can have exclusions for particular conditions, so if you decide to put off getting these types insurance for 5-10 years until you "need" them, you may find out that they're not actually very useful because of what happened in the intervening time.
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