Does Pet Insurance Cover ACL Surgery? Your Complete Guide to Orthopedic Coverage
Worried your dog tore an ACL (CCL) and the surgery costs will break the bank?
You’re not alone.
Most comprehensive accident & illness pet insurance can cover ACL surgery—if the injury isn’t pre-existing and you’ve cleared any orthopedic waiting periods.In this episode of Your Path to Prosperity, we unpack how ACL/CCL coverage works so you know what to expect before you book the surgery.
Tune in to learn:
When ACL is covered vs. excluded: new injury after enrollment is typically eligible; prior knee issues may be excluded as pre-existing
Orthopedic waiting periods & exams: many insurers require 6–12 months (or an orthopedic exam/waiver) for cruciate injuries
What you’ll pay: deductibles, 70–90% reimbursement, annual/incident caps, and whether rehab/TPLO follow-ups are included
Insider tips: submit vet notes, pre-auth big procedures, ask about bilateral knee clauses, and watch for rehab limits
Because your pet’s best chance at healing shouldn’t come with financial guesswork.
Want More Info? Read (or listen to) the full article:
https://wealthopedia.com/insurance/pet-insurance/does-pet-insurance-cover-acl-surgery/
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