Sounds to me like you will end up paying what you would have done for original operation without insurance?
Personally have house,life,health,liability,car insurance,Just cannot bring my self to get insurance for dog especially when you know its just a meal ticket,for greedy vets and insurance companies.
Ive had plenty of bad luck, Non could have really been helped by insurance,Vets always gave me straight answers "it wont run again" "You might have a dog that will do a bit go lame and need rest" Would i have got same answers if they knew they could make a few grand
Hope your dog pulls th