I fostered and adopted a senior micro bully about 2 years ago (her gotcha day is this weekend actually!) and I’m looking for an affordable pet insurance option that will help in case of emergency. The thing is, she already experiences some issues related to her breed and past pre-rescue neglect. Does anyone have any insight into whether these will be covered? I’m scared to purchase a plan and then find out down the road when I need to make a claim that they won’t help me. Here are all the details for context:
- my dog is a female spayed micro bully, estimated about 7-8 years old, and she’s 30 lbs
- prior to rescue she was being bred by a backyard breeder and she was severely neglected and seemingly lived exclusively in a crate. Most of the issues from this were behavioral, but I have noticed some physical results, like for example, her teeth are in pretty horrible shape. I brush them and give her dental treats regularly, but she has never had a vet administered dental cleaning or exam beyond the quick visual check the vet gives during an appointment
- she has a cleft palate so she technically only has one nostril
- her previous owners had her ears and tail cropped and docked
- I believe she has BOAS (brachycephalic obstructed airway syndrome) due to frequent retching/daily vomiting especially right after eating, the signs of struggle she has with breathing when excited or overheated, and her snoring, but she hasn’t been officially diagnosed with anything
- when she was still my foster prior to adoption, she had a severe cherry eye which required surgery, however the adoption agency paid for that care, and she has not had any issues since
- she hasn’t shown signs of hip dysplasia, but I know that is a common condition for her breed so she is on a multivitamin for joint support
- she’s had 2 UTIs within the span of 2 years, both were treated with antibiotics at home
- she has had issues with skin allergies/rashes, however they usually go away after a few days of anti-itch ointment, coconut oil, and shea butter.
- I try to be as preventative as I can with her health. I did extensive research to find a daily senior dog multivitamin that supports her from snout to tail, and she eats a high-quality, nutrient-dense kibble for small dogs from Nulo that is better than anything I’ve fed myself since I got her
In terms of previous vet records, I’ve personally taken her to the vet 4 times since having her. Two of those visits were to Petco Vetco clinics for vaccines, the other two were to a full service vet, once for an annual checkup and once to get a trazodone prescription for plane travel. The full service vet we saw was in California, however we’ve since relocated to Georgia. I understand that any potential symptoms for preexisting conditions would’ve likely been noted in her full checkup at the california full service vet. I have her records from Petco Vetco, and the only abnormality documented was a skin rash and hair loss at the site of her vaccine injection a few weeks prior. Would I be required to track down and submit records from the full service vet? And if I were to only submit the records from Petco Vetco, is there any chance that could be a potential issue in the future?
I really appreciate any suggestions you all have. I love my baby more than life itself, and it would break me if I couldn’t get her care that she needed. Admittedly, I didn’t know enough about her breed and the potential health issues before choosing to adopt, but at this point, she is my soul dog and I will do whatever I can to take care of her. However, like most Americans right now, I live paycheck to paycheck, and, despite the fact that I would sacrifice anything for her, an unexpected 4-5 figure bill would be pretty much impossible for me to cover. But fully recognizing that she is predisposed to certain health issues, I fear it’s not a matter of if she will require serious vet care, but when, so I want to be prepared. If there’s a reasonably priced insurance out there that covers breed-related and/or pre-rescue-related health problems (and, ideally, offers a direct pay to vets option) please let me know! If not, I’m considering looking into some kind of high yield savings account or something so I have money set aside for vet bills (if you have any recs on that let me know!).
Thank you so much for your help.