You didn't say how old your guy is, as most pet insurances are most affordable when you initiate them during the puppy stage. I remember the benign "skin tag" bumps as being prevalent on my senior yorkie and easily removed during a dental appointment.
For my young Biewer, Dori, I chose Embrace pet insurance. After researching the options, it worked out best for us. I think at the time it wasn't available in CA, but that has changed.
Most are a combination of major illness and wellness. With Embrace, you choose your own deductible and co-pay. so you can customize the coverage. We pay about $40 a month.
Some YT owners start a "medical fund" for their pets instead of insurance. Most of the costs tend to come in the later stages of life, so you can save and be prepared financially.
There is a "sticky" on pet insurance for more info.
Good luck with your decision.
__________________ Suzi & Dori   Vicki, Meggie, Snookie, Peach |