Our dogs are throughly spoilt & sleep upstairs with us from day 1.
I always put a new puppy in their crate & set the alarm for about 2.30am & then put them out & praise them ecstatically when they perform outside (it does mean standing outside in the dark & cold for a while until they go!!) Gradually we increase the time they can go through the night until we get a full nights sleep. It does take a while & at the time it seems like you will never get a good nights sleep again but it
does pass & now I can hardly remember what it was like to have a crying puppy at night ( Domino,our cocker, is two & a half.)
Our dogs are insured with Direct Line; fortunately I've only had to make one claim which they paid out promptly & with no problem although reading through the policy I notice there are quite a few exclusions.