guides ACL Surgery Cost for Dogs: 2026 Price Breakdown & Insurance Guide
How much is dog ACL surgery in 2026? We break down prices for TPLO, TTA, and Lateral Suture, and explain how pet insurance covers it.
Dr. Sarah Chen
Updated for 2026
Find the Best Pet Insurance for Your Furry Friend
Compare top pet insurance companies, read expert reviews from licensed veterinarians, and discover tips to save up to 30% on your premiums.
Expert Reviewed
Unbiased Analysis
Updated Weekly
Why Pet Insurance Matters
Average vet bill $1,500+
Emergency surgery $3,000 - $8,000
Cancer treatment $5,000+
Avg. insurance cost $30 - $80/mo
Market Analysis
Top 5 Pet Insurance Providers (2026)
We analyzed over 20 carriers based on coverage, payout speed, and customer satisfaction.
| Provider | Best For | Monthly Cost | Deductible | Special Features | Action |
|---|---|---|---|---|---|
| Lemonade | Fast Claims | $15 - $40 | $100 - $500 | AI-powered instant payouts | Read Review |
| Embrace | Full Coverage | $25 - $50 | $100 - $1000 | Covers curable pre-existing | Read Review |
| Trupanion | Direct Pay | $40 - $80 | Lifetime Per Condition | Pays vets directly at checkout | Compare |
| Bets Best | Budget Friendly | $10 - $30 | $50 - $1000 | Highly customizable plans | Get Quote |
Featured Article
guides Dr. Sarah Chen How to Choose Pet Insurance: A 5-Step Guide
Don't just buy the cheapest plan. Here is how to find a policy that actually pays out when you need it.
1 Check the Payout Model
Always choose Percentage of Invoice (e.g. 90% reimbursement). Avoid "Benefit Schedules" which cap payouts per condition. Learn more about Benefit Schedules →
2 Understand the Deductible
An Annual Deductible is best. You pay it once per year. Avoid "Per-Incident" deductibles, or you will pay every time your pet gets sick. Deductibles Explained →
3 Look for "Curable" Pre-Existing Terms
If your pet has had past issues (like an ear infection), look for insurers like Embrace that reinstate coverage after 12 months symptom-free. See Curable Conditions Guide →
Most Popular
View all → Dog Insurance Guides
guides ACL Surgery Cost for Dogs: 2026 Price Breakdown & Insurance Guide
How much is dog ACL surgery in 2026? We break down prices for TPLO, TTA, and Lateral Suture, and explain how pet insurance covers it.
Dr. Sarah Chen 
guides C-Section Cost for Dogs 2026: Emergency vs. Planned Prices
Dog C-Section costs range from $2,000 to $6,000. We explain the price factors for Bulldogs vs other breeds, timing, and why insurance rarely covers it.
Dr. Sarah Chen 
guides Dog Teeth Cleaning Cost 2026: Anesthesia vs. Non-Anesthetic
Why does dog dental cleaning cost $500-$1,000? We breakdown the price of professional cleaning, extractions, and why non-anesthetic scaling is risky.
Dr. Sarah Chen 
Verified DVM, ABVP
Medical Accuracy Guaranteed
"The internet is full of bad pet health advice. At Pet Insurance Guide, every article is reviewed by our Veterinary Review Board led by Dr. Sarah Chen to ensure it meets the highest medical standards."
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Years Experience
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Niche Coverage
View all → Exotic Pet Insurance
exotic Bird Insurance: Medical Coverage vs. Wellness Plans
Do you need insurance for accidents or a wellness plan for beak trims? We explain the difference for bird owners.
Dr. Sarah Chen 
exotic Best Exotic Pet Insurance Companies 2026: Who Covers What?
Review of the top providers for birds, reptiles, and small mammals. Nationwide remains the king, but competitors are entering the market.
Dr. Sarah Chen 
exotic Chinchilla & Hedgehog Insurance: Covering the Cost of Specialized Care
From Wobbly Hedgehog Syndrome to Chinchilla dental disease, these small pets have big medical needs. A guide to specialized insurance coverage.
Dr. Sarah Chen Save Money
View all → Comparison Reviews
exotic Best Exotic Pet Insurance Companies 2026: Who Covers What?
Review of the top providers for birds, reptiles, and small mammals. Nationwide remains the king, but competitors are entering the market.
Dr. Sarah Chen 
analysis Dogs vs Cats Insurance: Which Costs More? 2026 Data Analysis
Data shows dogs cost 60% more to insure than cats. Complete breakdown of premiums, claims, and coverage differences by pet type.
Dr. Sarah Chen 
reviews Nationwide Exotic Pet Insurance: The Only Game in Town?
Nationwide is the giant of exotic pet insurance. We review their coverage for birds, reptiles, and small mammals. Is it worth the premium?
Dr. Sarah Chen Frequently Asked Questions
Is pet insurance worth it? ▼
For most pet owners, yes. A single emergency surgery can cost $5,000+. Insurance protects you from these catastrophic expenses for a predictable monthly fee.
Does it cover pre-existing conditions? ▼
Generally no. However, some insurers like Embrace and ASPCA cover 'curable' pre-existing conditions if the pet has been symptom-free for 12 months.
What is the waiting period? ▼
Most policies have a 14-day waiting period for illnesses and 48 hours for accidents. Orthopedic conditions (like Hip Dysplasia) may have a 6-month wait.
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