If the insurance will even cover it. My pet insurance declined coverage for allergies because my dog had an ear infection when he arrived at the shelter where I got him - before he was even my dog.

Pet insurance doesn't cover majority of surgeries, it's in an essence a insurance scam. My rule always been, if you commit to have a pet, have at least one credit card that can take 30k on one swipe. Having a pet it's a responsibility, if you can't step up, don't own a pet. Simple!