I would say definitively get insurance. One of my friends had a miniature pincer, and she got pancreatitis and a hiatal hernia, and they spent 12000$ for hospital and surgery because they didn't had insurance.
I am also looking into this, trying to figure out which insurance is better, and I found this link:
Compare dog insurance - Pet Insurance Review maybe it can help you. Also it would be very beneficial if someone has one of the top rated insurances (rated over 8) and can tell us more about it.