My quote is 45.00 per month. Huggy is already neutered, but my vet said that Yorkies should have their teeth cleaned yearly. I am also concerned about how little he is and even with me watching him, puppy proofing our house, etc., what else could happen. Huggy is my 1st little dog and 1st Yorkie. Do the majority of you feel this price is worth it and have insurance?