How is your dog doing? What kind of surgery did s/he have? I can only think of a couple really pricey surgeries that cannot be delayed, bloat being the first and that is probably the worst medical emergency...other than GI block, heart, back...oh, the list is longer than I originally thought
Please give your fur child a gentle hug from us in Va.
We have never bought insurance and have luckily never had to cancel a vaca in 20ish years. We too arrived immediately after hurricanes and during the height of swine flu and lived to tell about it! Ha ha! I am thinking that from now one it is something we will probably purchase, life circumstances have changed and it's probably a good idea if I remember to do it.