Because Laurence Did Not Know Companies Sold Pet Insurance So

Because Laurence did not know companies sold pet insurance so that owners could pay for operations on their pets in the event of a sickness or accident, he paid almost $4,000 to have his dog's broken hip replaced. Once he discovered such a product existed, how did he perceive the insurance?

A) as a heterogeneous shopping product
B) as a diffusion
C) as a product diversification
D) as an innovation