We never bought insurance. Always passed it up. Then a few years ago, the night before our Disney cruise, my daughter wound up in the emergency room with a strangulated hernia that required immediate surgery. She did not have insurance. :(
My poor grandson woke up so excited the next morning thinking he was going on his Disney cruise only to find out, not only was he not going, but his mom was in the hospital.
You can bet we buy insurnace now.
To the OP, I hope your little one is completely better now.