VHI is a must with a spinal injury in my opinion.
Although pricey in the long run worth it. Instead of waiting on long HSE waiting lists for chairs, etc under the VHI PMI plan you can get 6,500euro towards medical equipment each year.
This can go towards a backrest, cushion, purchase a smartdrive for increased independence, cover hospital visits with only a fee of 100euro, go towards a new chair etc.
There is also a travel insurance for as little as 50euro a year which takes a big worry off when going aboard.