Sorry, I missed this post, not that I can be much help! I don't have insurance for Lucie, mainly because all the French companies I looked at seemed to offer little cover for a high fee and I couldn't find one that would offer lifetime cover. Reading the small print just seemed to give them every loophole to slip through, a lot isn't covered and the percentage you pay towards each claim is high. I even asked at my bank who highly promote pet insurance but they won't cover unless your house policy is with them.
I didn't have my last boy insured either and fortunately until he was diagnosed with anal cancer, his yearly vet bills were less than I would of paid with any insurance policy. So with Lucie I decided to take the chance and not take insurance, I'm kicking myself now of course
Lucie eye ops alone nearly broke me let alone the vet bills since. Although whether the insurance would of paid out for her entropion op, I don't know, I noticed on one they had a small print of 'diseases known to be hereditary'.
I would advise to read the small print of any policy very carefully, a lot will cover for diagnosis and initial treatment but if it's an ongoing problem the covers stops and 7-8yrs seems to be the cut off point of any insurer.
Sorry, I know this doesn't help you much but hopefully in bringing this back up, someone else will be along to offer some better advice.
I'll be watching out too