<p>Our experience was much the same. We checked over our own coverage every year, and felt it sufficed. Like dadx3, I can’t see any way in which not having the college health insurance on top of our own caused any delays or difficulties of any kind for either of our two. And during their time there, they each had at least one dramatic health event, so it’s not because they didn’t need to avail themselves of college and other health services.</p>