Pet insurance will not cover a preexisting condition. So maybe when you join you should wait until it kicks in. That way there's no condition on record. As long as you don't think Coco is suffering in any way. Pet insurance is definitely the way to go, not that I have used mine yet, I hope I never will have to. I have Pet Plan they cover your dog for life and my two are covered for up to $14,000 a year each for accident and injury. It costs me $40.99 a month for each dog. That's Australian. I don't know what your's would be. Not a lot of companies cover for life that's why I chose Pet.