It is interesting what the most common claims are for different age pets. This article reinforces that many problems that young pets get can be prevented. It also reinforces the advice to get pet insurance when your pet is young. Many pet owners don't see the need for insurance when their pet is young and the picture of health. But, you never know...
While it's great to have pet insurance when something unforseen and expensive happens, it's much better to prevent it from happening in the first place.
The link to insurance comparisons at the end of the article is for British companies.