Yesterday our recently rescued Westie Emma Rose spent most of the day panting, wheezing, and gagging. Today she dozes by my chair as I write this, nuzzled against my leg. Bad days and good days. Three weeks ago, the vet diagnosed her with pulmonary fibrosis after a 4 am trip to the animal emergency room where she ended up in a dog-sized oxygen chamber with an IV.  We left down-hearted about her terminal prognosis, and wondering if vet insurance is a good idea. Five months ago, when we saved Emma Rose from a puppy mill, we had no idea we would enjoy so few days with her or that she…