The X-Ray was done 1 month ago overseas, where we used to live. The vet said it is too soon to determine the HD level (A to D) but that she could anticipate that Meg has it. The level would only be determined when she is considered an adult dog - from 1 yr old on..I have both insurance (through Petplan which cover orthopedic conditions if they are not pre-existing) and a rainy fund ($50 per month per dog). Has Meg's HD been formally diagnosed ? If it is the case you will have a hard time finding an insurance covering it but you could still take one to cover everything else. Since she is so young, it might be worth looking into even though her HD would perhaps not be covered.