I have a 3 year old pure bred Shih Tzu. Our pet insurance runs $35 per month and covers basically everything including cancer.
The reason why I have the insurance is b/c my wife would do whatever it costs to save him if it came down to it. I know a ton of people who have spent $5000+ on medical bills on their dogs. So when his time comes, the insurance will be able to cover most of the expenses.
Will it be worth it? I do not know yet. But the healthy risk is great for the breed especially when they get older and I'd rather know that we have something in place.
"Think of how stupid the average person is, and realize half of them are stupider than that." ~George Carlin