aww sorry to hear about your Ginger!! About Pet insurance.. I was really debating about this one..
All three of my doggies had to go to the emergency vet
.. With my Ginger being there twice
... I've heard a lot of pro's and con's.. but from another forum and they own different kinds of dogs..
with Yorkies being more Fragile.. i'd think insurance is a good thing right? but i've heard that it's not so good if your dog doesn't go to the vet so often.. soo i'm also considering if it's worth it or not.