Silly question I know, but I'm having my dog spayed next Monday and it's also the day that my insurance is due to expire. They are doubling my premium and so I want to move, but obviously any new insurer will have a two week exclusion - I know that they don't cover the spay itself, but if the dog for example picked up an infection or any complications, presumably that would be covered on insurance - am I better off waiting for a week or so after the spay before moving insurers or am I worrying over nothing?!