As a vet I always recommend insurance at the first puppy visit. At least for the first year. Preferably for life.
Young dogs get into all kinds of trouble.
Your story is common.
Foreign body obstructions, quills, broken bones, nasty lacerations, those hit by cars.
Pet health insurance is about $50 per month.
Many people have thanked me over the years for recommending it. It often pays off huge. And allows the best care available instead of plans B, C etc.
There are lots of insurance providers. Some better than others.
Check them out.
Petinsurancereviews.com
I like Trupanion. No ceiling.