It's dog insurance worth it for a young, healthy dog?

I've got a two year old pit pup. I just had her rabies shot renewed, and she's in perfect health. Even if she were attacked by another dog at the park, I doubt they could hurt he badly or so fast it couldn't be broken up. And she gets along with almost every dog, so it's not a problem I'm worried about. The only real potential concern I'd have, would be her get hurt on a hiking trail. But in Colorado, no vet can fix those fall injuries.

I'm thinking it would be better to wait a few years, once she's been an adult for a while. It might've been smart for the first year, when early, generic health problems often show up. But it just seems like wasted money, unless you have a naturally unhealthy breed, like an English Bulldog. Because as you can see, she's a very healthy bitch. A damn good hiking partner and wingman.