Raodi is insured, and Rowan will be as well. With Raodi we started with Trupanion, but it got too expensive for a while when I was in undergrad. Luckily (well, financially anyways) she was still insured when she blew her cruciate, so that was covered. We have since got her re-insured with PC insurance (I think they're only in Canada, and not sure who underwrites them... they do our car insurance as well). Of course the cruciate isn't covered as it was pre-existing when we signed up for them. We have already talked to them about adding Rowan as soon as she comes home. Raodi was a confo/obed dog and travelled to shows, and Rowan will be as well and may be bred in the future, so insuring them makes sense for us.
Sprite was dumped as a puppy and hubby found her at the side of the road. She's always been a homebody (doesn't travel with us to dog shows or anything) so insuring her didn't make sense to us.