[Wolftrap]

Hello I haven't posted in some time but you guys have always been helpful to me in the past. I was at work on Friday and my teenage cousin gave my dog a bath in the kitchen sink. She STUPIDLY left her in the sink while she went to go get a towel to dry her off. So of course Coco jumps out of the sink. That night I got home and she was limping. She is holding up her back hind leg. I was just SO pissed because I'm really strapped for money right now and didn't want to take her to the vet because I knew I couldn't afford it. Well I took her to the vet first thing Saturday morning and was told that she has a Anterior Cruciate Ligament Rupture. I was told this is the same as an ACL tear in humans. This diagnosis cost me $325 of which I really didn't have to spend but anyway her vet referred me to a specialist and said that if she does not walk on this leg in a week then she needs to have surgery. He cannot tell if it is totally or partially ruptured. He said if it is partially ruptured that in small dogs it usually heals on its own. I'm hoping and praying this is what it is because I CANNOT afford surgery. What I've been reading on the net about this injury has not been good. After her hernia repair I said I was going to get pet insurance and now I'm really slapping myself that I didn't. I'm pissed at my cousing for being SO stupid. So anyway I guess my questions are this

#1 Has anyone ever experienced or heard of this type of injury in their dog?

#2 Are there ANY health insurance policies that may pay for this. I'm reading and they all say they don't pay for pre-existing conditions. I'm not sure how they would know it is pre-existing though?

#3 Just any suggestions in general?

Thanks