Cruciate-ligament surgery is covered when the injury is new — but a tear in one knee can make the other knee pre-existing.
Torn cruciate ligaments are one of the most common claims, and TPLO-style repair runs about $3,500–$5,000 per knee. Accident-and-illness plans cover it when it isn't pre-existing.
Watch the "bilateral" clause: if one knee is treated before coverage (or shows signs early), many insurers treat the other knee as pre-existing too.
Rehab and follow-up imaging tied to a covered surgery are generally reimbursed as well.
Because cruciate tears are common and expensive, this is a classic case where insurance pays off. Run your break-even on the worth-it calculator.
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Cruciate-ligament surgery is covered when the injury is new — but a tear in one knee can make the other knee pre-existing.
Yes. Pet insurance never covers pre-existing conditions, so enrolling while your pet is young and healthy is when coverage is broadest and cheapest.
After your deductible, the insurer reimburses your plan percentage (commonly 70%, 80%, or 90%) up to your annual limit. Use the reimbursement calculator to see the exact figure for any bill.