Compare policies and ask your regular vet if they can recommend and insurance and do they accept any insurances. There are so many new ways now to treat animals that did not exist even 20 years ago. Of course, they are expensive treatments. My brother's two dogs has cancer and they got chemotherapy! The dogs did get well and lived pretty good after that, but still the treatment was a huge cost. And surgeries can be very costly, especially on an emergent basis. We have two ER vet hospitals in our area and they have a charge just to walk in the door. I think pet insurance is a good thing, if you can afford it. Also, your dog is still very young, so you would probably get a lower rate than you would if you were trying to insure a senior dog.