We have 3 yorkies. Our third parti-yorkie was added to our family in June. For her, we decided to get insurance - for no other reason than both of our other yorkies have required care for which we wish we had gotten insurance.
PetPlan has worked great for us! I've filed 2-3+ claims, and all of them have been reimbursed properly, and in a timely, attentive manner.
I only wish we'd obtained pet insurance for our other two yorkies BEFORE they developed what would now be called "pre-existing conditions".