Hi.
My 4 year old retriever needs three surgeries: one to shave down her front elbow, and each of her hips will need to be replaced in time.
The total cost of all these surgeries is in the region of 17,000 GBP. The best case scenario is that our insurance would cover 9K (more on this). We can afford 8K, strictly speaking, but it would impinge upon some nice-to-haves.
We're all madly in love with her and I don't think we can stomach the thought of putting her to sleep but she will undergo one very invasive surgery in a couple of weeks an in time will need two more.
She is very placid and laid back at home but is skittish outside of her routine and hates the car/veterinarians etc.
I'm torn on two fronts; one, money, obviously; two, her quality of life.
I'm also wondering if the overarching issue is arthritis, if anyone is knowlegeable about how the insurance company (Pet Plan) will view these three surgeries - are they all a single condition (I have a limit per condition), or will each be considered a new one e.g. the limit is re-set?
thanks.