[shell820810]

Here is my experience....

Had insurance for Millie, it didnt cover the complications of the spay, but I got the purchase price back when she died.

I hadnt gotten round to sorting it for Toby.
He has been diagnosed with Legg Perthes. What I have paid the vets already was more than the annual insurance premium, and he hasnt even had the surgery yet.
He will need hydrotherapy to build up the muscle again at $160 per month, and Cosequin for the forseeable future at $40 per month.
This is now a pre existing condition and will not be covered.

Maybe I have just had bad luck, but I would recommend insurance, and ASAP.