[yorkiemini]

Only a few insurances have a healthy/routine care plan.
Most are for serious illness/accident care.
I think others will come forth and give you their take on insurance.
We have Healthy Paws and fortunately have never had to use it.
I was drawn to the genetic illness protection and no limit protection.
Suggestion: although you are getting a well bred pup be sure to get you insurance while the pup is young and has no pre-existing conditioner.
Many don't get insurance ,but start a savings plan for their dog. I think that sounds good, but my previous Yorkie ended up with a $6000.00 illness that I had no insurance for. Came fast, but had to deal with it.

Like I said we have never used it, but my concerns are cataract surgery as she ages and/or cancer treatments that are expensive, then there are accidents and broken bones etc. I carry a high copay/deductible because the monthly payment is lower.

Others will come on and give you their take - oh yes many get the Care Credit Card instead of insurance.