I am so sorry for your sad loss, with regard to insurance for Charlie I havent found any companys who will begin an insurance policy untill the pup is eight weeks old, I collect my pup at exactly eight weeks and that is a Sunday I wanted to have his insurance in place for when I get him but I cant insure him untill the monday, so with a five and a bit weeek old pup you proberbly would not have got insurance untill 8 weeks. You were definatly miss lead and therefor the breeder is in breach of contract.