Kobe is gorgeous! So sad he was taken away so early
As far as insurance goes, I decided against it. I just have a percentage of my check go to a savings account for pet emergencies etc.
I would go to the vet for a fecal exam at least twice a yr. Good luck with Kobe
Oh and about his hair, he is SO YOUNG still. Most people on here bring their puppies home at 12 weeks or later so the pictures you are looking at are of older puppies with more hair.