Yoshi has a question - Pet Insurance?

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So in my last thread @connorbush recommended pet insurance. Yoshi wants to know if he should be insured. He is a shit tzu, and there are a number of problems that can develop with this breed (as with many breeds). I have been doing a little research on it, but I want to see what all you knowledgeable people have to say on the subject.

What are your general thoughts on pet insurance? Good/Bad?

Do you have pet insurance? If so, what have your experiences been.

What plan levels do you recommend?

Are there companies that you recommend?

Yoshi thanks you in advance for your input.