I won't assume you cannot afford your dog or that you are irresponsible or that your dog is suffering and i will surely share with you that most people aren't committing fraud because they cannot pay for their pets care and that is why they have insurance.. As you Yorkie talk friend i think you would have more confidence in getting a second opinion and looking into Carecredit.
CareCredit Healthcare Finance - Payment Plans and Financing for Cosmetic Surgery, Dental, Vision, Hearing, Veterinary & Other Medical Procedures
Good luck with your baby my friend and i stand by the ladies at revival... they are super helpful with research and so down to EARTH and willing to HELP.__________________