My Marley dog has developed a lump on his tummy that will not go away. We are hoping it's not cancer but will not know until it is removed. Marley has always had pet insurance but at the start of the year when my mother passed away from Cancer I took time off work to be by her side and had to financially support her and my sibling. Being self employed time off work reduced my income so as a family we had to cut back. One of the things to go was the pet insurance we have never used but paid for 8 years. Unfortunately if we re-atart it now the lump will not be covered.