[Princes mom]

I am so so sorry about your baby. I hope it isn't CT. Prince has Ct, and has had it for about 6 months. He was diagnosed when he was a little over 5 yrs. Your puppy has to have an x-ray to know for sure. CT and reverse sneezing are quite different. When you yorkie is having a CT attack, it's sort of like have a severe asthma attack or emphysema.
There is a lot of wheezing during inhaling...sometimes their tongue and / or gums will turn blue. We also have had many sleepless nights and have lost days from work. Prince is taking Temaril P (strict directions) and Aminophilline (as needed). He pretty much takes 1/4 tablet of Aminophilline every morning and night. When he gets really bad we start him on the Temaril P.
Often, at night, we will hear him making wheezing noises. It's hard to tell if he is snoring or wheezing sometimes.
Trying to keep a yorkie calm is tough. When we leave for work, we leave the tv on to drown out outside noises and keep the blinds tilted so he can't see a lot of outside activity. You know how "on-guard" yorkies are, so you can only do so much.
Prince has a severe case of CT and after speaking to the vet and reading several books and articles online, we still don't know if we would opt for surgery. It isn't guaranteed to improve the condition.
Because we live in the pollen capital of the world, (Georgia) I have to be careful about the time he spends outside, and about the amount of exercise.
I don't know anything about pet insurance, so I would go with the advice of the other posters.
I wish you and your baby well.