Need advice!.. I have Nationwide pet insurance. My frenchie is in pain and they're thinking it could be IVDD, but they can't diagnose it without a $4,000 MRI?! Insurance is saying they only cover $800 medical and $2,200 surgical IF he even qualifies. This seems horrible, considering how expensive the MRI and surgery will be. Does anyone have any experience with this? Also...WHAT in the world do people do if they cannot afford these treatments? I am a single Mom and a teacher and I am absolutely in no position to spend thousands on this. PLEASE HELP my baby boy!!