My first 2 dogs were from a BYB, before I knew what that meant. Boy do we learn a lot on this web board (Thanks Karlin).
Anyway, my first 2 dogs have juvenille cataracts and luxating patella. Both hereditary conditions. I wouldn't give them back for anything. It is just something we need to treat and overcome. I have decided against insurance. In my case, once I got the vet's notes which are required for Pet Care Insurance, the vet had already seen the early signs of the conditions, so it wouldn't be covered anyway by the insurance. I decided to enjoy my cavaliers and with the vet's help, keep them as healthy as possible. I made a conscious decision not to worry about what might happen down the road, but to enjoy each day I have with them to the fullest.
Charleen and Cav's: Pippin (ruby male), Merry (b&t female), Luke (blenheim male) & Jolly (tri male puppy)