One of our Canadian members purchased insurance for her Cavalier, and she found that another thing you'll need to look for if you decide to buy insurance is "declining benefits". After the first few expenses/emergencies/illnesses, the amount that the insurance will cover starts to diminish in percentage.
We've discussed this topic a few times over the years, and the general consensus has been that one would be just as far ahead to put the same amount of money into an interest bearing savings account, per month, as the monthly premium would cost. If and when an emergency arises, you already have a fund created to cover the expenses, and you may even earn a dollar or two on the money you've saved. Furthermore, if no other emergency health issues arise, then you still have your money!
Congenital defects are often not covered, and any pre-existing conditions will automatically raise your premiums.
Good luck with that!