It's insurance. You don't need it until you need it...
I'm playing devils advocate now, but I for one am thankful most insurance companies pay out more often when you need it as it seems the same can't be said about flu vaccines:
19% estimated effectiveness for 2014-2015, ouch.
Well I'll be darned. It was 19% when you posted that (I looked), but it's now sitting at 23%. What a difference a day makes.