I only have insurance for accident coverage, and let me tell you it has paid off. We all know Yorkies are into everything, and anything could happen. Petsbest insurance is reasonable, but you do have to foot the bill and they will send you a check within a few weeks. (they are pretty quick) The piece of mind I get is better than always wondering what could happen. Sad thing is..my dogs have insurance, my fiance doesn't lol
