Well, don't feel too bad. I got insurance and the chi had a NORMAL exam at 1 year. At 2 years it was a grade 2 and bothering her. Had surgery and the insurance refused to pay for it, even with the normal exam at a year. Said that that condition (luxating patellas) was endemic in this breed, and therefore not covered. I was furious. Nothing to do but fume! Sue
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