Insurance isn't so you get your money back if your dog gets stolen, it is so you can afford vet bills. It would stop all the shitty DIY surgery people do with a stapler for one thing. But also it would stop lots of dogs being PTS if it is cheaper to just buy a new pup. Basically, if you have to actually pay for more than food maybe fewer dickheads would buy puppies on a whim and there would be fewer litters being bred by people out to make some quick money. If you have spend £30 per pup, then insure them then only the more dedicated would breed. Heaven forbid maybe some thought would go in to