Shit. Have just found a lump on ddog (about 2 cms diameter on her side/rib cage, she's 9) and we are in an insurance-change blackspot. [panic]
Her insuranance is due for renewal in 5 days time and this year's company (John Lewis) did the usual extortionate price hike thing that insurance companies do. So I looked around, found a cheaper equivalent (M&S) and changed providers from the end of the policy.
And now I discover ddog's lump. obviously terrified it's cancer If I take her to the vet this week the old/curent insurance wont pay for any ongoing treatment needed past the end of the policy, obviously. (I already have the cancellation letter.)
If I take her to the vet now or within the first 2 weeks of the new policy, they wont pay out for any condition discovered before or in the first 2 weeks of starting the policy. So we're buggered insurance-wise for almost 3 weeks. 
We absolutely could not afford expensive long term treatment for ddog ourselves - hence making sure she was always covered by lifetime condition insurance. Now she could potentially need it find she's 'insured' but actually not covered.
So, do I ignore her lump and wait the nearly 3 weeks until she's covered?
Or take her to the vet now and potentially not be able to afford any biopsies, treatment?
Insurance and/or lump experts - help!