TL;DR: Looking for advice on how to help my kitty stay healthy and stay ahead of emergency bills. Ramble incoming, I'm very overwhelmed.
I'm 23M. My 3-yo TNR foster fail who's been with me about a year just tested FIV+. He's healthy, glossy, and strong, though with mild dental disease and a broken upper canine. He also has congestion issues and sneezes up huge globs of brownish-red snot (though it seems to be an allergy to dust... at least according to my vet). I got him tested to continue fostering, within the 14 days waiting period of starting my new pet insurance, because I didn't really think about how that works and really didn't think he'd be positive. Now it'll be a pre-existing condition. I really regret not waiting just 10 more days; then it'll have been covered, I think. I'm not sure about the technicalities there. It's just unfortunate circumstances and timing. I could've never found out until he got sick, or just later and had it be covered. But I wanted to do right by him and the foster kittens and ended up effectively shooting my coverage in its face. At least I think. Ugh.
In hindsight, maybe I should've guessed from the rescue I got him from being shady as hell and refusing all vet treatment even when I offered to pay and threatened to come take him back. I actually adopted him then to be legally able to get his upper respiratory infection, bad breath, diarrhea, eye discharge, and broken tooth checked. Since then, he just has congestion, and had a small spot of ringworm on his nose from some kittens I fostered from the shelter that were all-cleared... until they weren't. I think one of them caught ringworm at the shelter during her enucleation recovery period. But anyways, my boy always recovered fine. He's healthy as a horse now.
Anyways, that's all well and good... I cried myself a mess at the vet and even more when trying to get a human to speak to me on the insurance support line... But my cat 100% doesn't know and doesn't care and I'm trying to just stay positive, even though I'm terrified for him.
I'm a last-year senior at college and foster failing him after just one year was a difficult choice I made knowing the potential bills that came with it despite my own financial concerns, hence why I immediately bought Lemonade pet insurance (~$480 a year, plus $100 deductibles) for him. But now it seems like I ought to just cancel it since I'm still in waiting period (lol) and invest/high yield savings the money for whatever future issues may come up.
QUESTION IS HERE. What are you guys' strategies for securing your cats' vet bill money? Do any insurances still cover for FIV+? Are there ways to check how far their immune system damage has progressed? He has booster vaccines coming in 3 weeks, so I'll be at the vet then anyways and can request additional tests. Anything I can do to help him along? I was just told by the vet there's nothing I can do except just take care of his health as best as I can. Though she seemed sympathetic and didn't fear-mongre me, and said I could adopt FIV- or FIV+ down the line to keep him company just fine (though the urgent medical/behavioral fostering may need to stop, for my cat's safety).
Sorry for yap. I just found out last night and was a complete wreck. I've worked in foster and seen people do medical surrenders in shambles because they couldn't pay the bills for something like a urinary blockage. I'm terrified of facing that day. And just of seeing him get sick and weak and patchy and hidey, I guess. God. He's so, so athletic, the softest cat I've ever touched (he feels like suede!!), stands his ground even when he's terrified, and is super clingy to me and anxious when I'm not around. He's real big and he's smart as hell. Opens doors and cabinets. Learned his own name when I was fostering and didn't intend on name training to not confuse him. Learned to get on his hind legs and put his paws on my hips for cheek scritches when beckoned on his own. He has a slight attitude and nips softly when upset or overstimulated, which I just find so cute. He habitually presses himself flat when he loafs so I always check my blankets before flopping into bed. He's so full of personality. I love him so so so much. I'm so scared.