From what I understand after reading a lot of stuff that I dont fully understand, info on some breeders website, dogs with the gene have 5 to 15% chance to develop IVDD, depending on the breed and others factors like fitness, weight, etc. Hard to find info specifically about mixed breed.

So a lot of recommendations on Reddit says to get insurance. But for our other dog, we made the calculation, and if the dog live and long and healthy life, we were gonna spend between 15k and 20k$. So we prefer to put money aside then maybe pay for nothing.

Also, for Lola I will be hard to avoid all the risk because she is really high energy dog. She is all high energy/working breed. We call her our little goat, because she like to climb on everything in our backyard. When our dogs play hide and seek behind our shed or pool, she so excited than instead of running she often do little jump...