Ouch, towel-removal surgery could set your budget back some. Insurance comes down to personal finance though...for people who can save some $ in the bank, or have
good credit to use for "surprises", you might pay into having the insurance more than if you'd just paid for any vet visits needed, but if the smaller regular payments for the insurance provide "peace of mind" for sudden large bills, then it's worth it. It's good to have the option, especially if you have a lot of pets.
How did your burmese do, sans towel?