Kirst, I made the decision to get a pump, and for me that meant I had to join a health fund. You only need basic hospital cover for 12 months to get a pump, and as they cost around $8K, it makes sense to do this. Even for me, with a BIG age loading, it was the right thing to do.
My endo had been telling me for years that I should get a pump. Then I moved away to country NSW, and just continued injections but my control was always labile - low, then high, then low - no pattern. I finally went onto Lantus (with help from my Dad - he paid for that while I paid for the PHI). Even though that was much better in terms of BSLs, when I moved back to civilisation and went back to my 'old' endo, I just about had my 12 months membership up, and with help from the endo, and a great D/E at John Hunter Hospital, I went onto the pump just before Christmas last year. It's been the best thing I ever did in relation to diabetes.
If you really can't afford PHI, try approaching a local service club, such as Lions, or Rotary, to see if they would be prepared to help you obtain a pump. Good luck, whatever you decide.
Infundo ergo sum.