I would do it if I had a Yorkie. My friend has had Yorkies for over 30 years and as soon as pet insurance became available she and her husband signed up for it. She had 4-5 at once for a couple years. Never bred always had them altered. If I were going to adopt a special breed and depending on their health issues, I would get pet insurance. Just really check out the policy. There's a lot they won't cover. Only way I would take a Yorkie or other special breed/needs dog would be if it were given to me. Not going to pay the price they want and turn around and pay more. Our dogs were given, rescued/adopted. Brutus our last one adopted us. He wouldn't let loose of my DH for nothing. Followed him everywhere and still does for the past 9 years.