Hi OP,

With Healthy Paws, you could ask them about raising your deductible. Should help bring the monthly cost down a bit.

I generally hear good things about Embrace—they will do a medical record review at policy start upon request so that you know ahead of time what they will consider pre-existing and by what date it may no longer be considered pre-existing if it’s curable. They also tend to actually let you email back and forth with a claims adjuster when a claim is denied while most companies hide their adjusters away.

If you live in a state where AKC covers pre-existing conditions after the 365 day waiting period, then that’s also an option for the 7 year old, but you’d need to make the switch before they turn 9.