I apologize in advance, this is a long post, but what I know can help you.
The thing with pet insurances as I have found, is their clauses phrasing for pre-existing conditions and certain hereditary conditions or congenital conditions, and how they may determine what is one. None actually cover pre-existing conditions while another may say if something has not been treated for x months (usually 6months to 18months, while a few may be longer) then they will cover it, such as an ear infection - ie something that can be cured. Some breeds are susceptible to certain conditions (not that it will always happen), just simply because of genetics. Some have worded their stipulations of coverage so cleverly that hiccups or acne can be determined pre-existing to some digestion or allergy issue later, even if years has gone by. There is usually a health screening, evaluation of pet records and a waiting period before coverage begins. There are maybe two or three insurances out there that have a rider or 'waiver' allowing coverage for genetic or congenital, hereditary, serious/lifetime conditions or 'pre-existing' conditions under certain circumstances and those policies have heftier premiums (which can be 100-200 MORE on top of the regular price depending on age of your pet). So it isn't totally impossible to find one despite age, health record etc. I've read where people have paid years of pet insurance and never filed for any reimbursement, but when they did, the insurance for some reason or another wouldn't
pay. Some insurances also require that you keep up on their vaccinations, preventative care, yearly or bi-yearly health exams/tests within reason, or they won't cover your pet. Say you decided to wait for treatment or went against vet advice or recommendation for treatment for whatever reason and then you put in a claim at a later time for the same ailment, the insurance can refuse to pay you because you didn't give your pet treatment at the earlier time (they will say it is pre-existing). Think of the many ways they can deny you or call something pre-existing. Make sure you understand what is covered, what isn't and the conditions of the insurance before you buy. I think Petplan offers a lot but be certain to read their definition of pre-existing condition- a pretty wide definition at that-->
"Simply put, if your pet has or had any condition, whether diagnosed by your veterinarian or not, before enrolling in a Petplan pet insurance policy, it is considered pre-existing. However, at Petplan we recognize there are two types of pre-existing conditions: those which can be cured, and those which cannot be cured. If your pet has experienced a curable condition previous to enrolling in a Petplan pet insurance policy, the condition, while pre-existing, may be eligible for coverage after an exclusionary period. Providing your pet’s medical history shows no further episodes of the condition subsequent to the initial episode, coverage for the condition may be restored. For further information, visit our FAQs and search “pre-existing condition." from https://www.gopetplan.com/terms-and-con ... INEJOURNAL
The second aspect to having pet insurance: With ANY and ALL pet insurance, you have to pay up front at the vets for treatment given, then file a claim. However, some vets offer pet care credit, which requires a credit check because you would be applying for credit to use solely for pet treatment. Pet care credit allows your pet to have treatment when needed, and for you to have a payment plan instead of paying all upfront. So, If you have pet insurance too, once your pet was given treatment, even if you are still paying the credit, you can then file for reimbursement from the insurance. With some pet insurances, you can specify for them to send the check to your vet to pay the remainder (of the pet care credit). No pet insurance will pay for treatment that has not been given. You can't send the insurance an estimate of care and expect them to pay before your pet has had treatment. Otherwise, having pet insurance plus pet care credit can work and be worth it, providing the insurance decides to reimburse you. BUT if you don't have money to pay upfront, or are not eligible for pet care credit, pet insurance is of little help.
Part of the problem is that pet insurances are written under laws that are considered property and casualty (like car or house insurance), rather than a living being. Most don't realize you have to pay upfront for services and don't fully read the policy, and then get stuck later. You're better off taking money you'd pay for premiums (or x amount a month) and putting it in an interest bearing account and leaving it there until you need it for them. At least then YOU will never be denied when your pet needs something the most and you don't lose any money to premiums and denied claims.
So if you would pay say $200 a month for pet insurance, that is $2400 a year plus interest saved for your pet, AND
that would be YOUR money regardless and gaining interest, so if you never use it for pet care and not need it for that, you don't lose it. Yeah, saving takes time, but it is worth it should your pet need it someday.
For me, unless pet insurance becomes more of a health insurance for pets, like humans have, I won't be buying into it.
MRI issue. It's a pretty extensive and all inclusive diagnostic and usually includes a spinal tap (if no tumors are found during MRI). There is a possibility that it may return normal findings, however, if your dog has a secondary epilepsy, it can target where the problem is and perhaps why it is there- spinal tap and MRI can identify illnesses, thus specialize treatment. When it comes to seizures, the treatment is the same regardless of diagnosis or reason for the seizures, however, certain medicines (like chemo) are only available if confirmed by diagnosis and diagnostics. If you do the MRI/spinal tap, would you follow through with recommended treatment if something is found? More than the expense, would having the test done be of benefit to YOUR dog? My only regret with my dog was not taking her to a neurologist earlier. So my last thought to you, something to consider though your dog has seen a few vets, did one include a neurologist? If not, that might be the first thing to schedule, it can take weeks to get an appointment. It takes time to get the right combination of medicine.
Anyway, sorry this is so long. Good luck to you and your beautiful dog.