From my perspective it's always been a benefit to the patient and client who get it later on wish they had it earlier.
It makes it easier for your Veterinarian to provide the best quality care without having to pitch it to you while your pet is dying and you're not in an emotionally correct state to even understand what is being communicated.
The earlier the pet insurance, the more conditions are covered. It's got all the benefits of human health care.
Human healthcare isn't a great investment until you actually need it. Then again I don't know how screwy the insurance system is in the US. In Australia and the UK, pets were covered for everything from vaccinations to blood tests, emergency surgeries, dentals it really comes into great use at an older age with joint disease, cardiac and endocrine disorders plus the lump removals being attended to early rather than later.
The only reason our family cats got away with it was because I get everything a warehouse prices and have done tens of thousands of dollars of work at zero cost to my parents.
Sure you can go without it for the first few years, especially with an indoor only cat but I would recommend getting it at some point.
I'm still going to say no, because owners are shit about regulation and this just allows for another avenue for a pet to produce expectant behaviour, which can lead to aggression or further manipulative behaviour. Allowing for this avenue to even be over leads to increased likelihood of obesity in an indoor animal.
Treats are made tasty with fat and salt and flavouring, the vast majority are not AAFCO passed and the ones that are, end up being mildly different tasting dry biscuits in different shapes. Most pet food related poisoning occur from untested treats going onto supermarket shelves.
Beyond this, if you do manage treats well, they're still a waste of money, 100% of obesity consultations involve clients giving their pets treats for the wrong reasons. i.e reproducing known inappropriate behaviour till treats were provided or extra nutrition.
In this scenario, the pet directs how it is fed, which means the owner hasn't a clue.
Treats will also lead to begging behaviour which is not desirable, especially if friends or family are around as they are more likely to give in to this type of behaviour (literally all the BBQ, chocolate, weed related poisonings. You do not need treats to train a cat or dog. Treats enable food oriented behaviour and gorging.
Do whatever you want but at the end of the day the only thing a treat does is make the human feel better about giving the pet a treat, the pet doesn't give a shit either way because they have your attention.