Cat W/ Pre-existing Conditions
Looking for some advice in case there's an angle I'm not seeing.
Last year, I got pet insurance for my pet cat. I went with Spot, and picked a $2,500 annual limit because that's what I could afford for monthly premiums. Flash forward to now, it's ready to renew. I have maxed it out with a dental surgery and several ER visits. After I maxed it out, she needed ear surgery, was diagnosed with a congenital heart condition, had more ER visits, and needed an MRI + treatment for a brain abcess. Suffice to say, I am exhausted, physically, emotionally, and financially.
I was hoping to increase her policy to the unlimited annual limit Spot offers....but I guess that's only when you sign up. And I can't switch to a new policy because then everything she's been diagnosed with this year will be considered pre-existing. I guess I'll be keeping her current policy so I at least have the $2500...but that goes so quickly (if they even approve those claims) I don't think we'll even make it to 2027 on those numbers.
Is there another route I might be missing?
Thank you