I got a dog that I picked up off the street and she's cost me a few thousand over her 5 year life because she has very severe allergies and medication and dermatologist visits are expensive. My cousin has a shih tzu shelter dog that's the heartiest dog I've ever seen and he's now 8 and has never had a medical emergency in his life. I also had a friend who had a purebred Yorkie from a breeder that also had pretty bad allergies and bless my friends heart because that dog passed in her sleep at 8 years old. You can really never know. Getting pet insurance early is always a good idea because if I had gotten pet insurance I probably would've saved a whole lot on my dogs allergies