I honestly got that optional injection because it is required if I would ever need to board my cat. I didn't want it at all because it isn't needed and isn't proven to be all that effective yet, but you never know what can happen. If you really want the pet isurance, which is a waste of money in my option, just get the injection. Personally after months of research, i decided I would be better off putting the monthly fee into an account for the cats rather than putting it towards insurance that has co-pays and doesn't cover everything 100%, and something that my cats may never need. So far that plan has worked out well for 3 years, and I always had the money for the unexpected this way for the cats.
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