Generally speaking, you have to have bought insurance before the problem happens for anything to be covered. Insurance companies would lose money if you could just buy it when there's a problem and have them pay for the procedure. In this case, your friend is better off looking into something like Care Credit, which will is a credit program specifically for medical issues and has a veterinary financing option. This will give them time to pay off the cost of the procedure, rather than having to pay a bulk sum all at once.
Pet Insurance for Existing Conditions?
