Pet insurance research & comparison for dogs and cats.Provider data reviewed September 2026
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Scenario

$6,800 knee surgery with a $1,000 deductible

SurgeryPractical example
Keep in mind: Actual coverage depends on the policy, eligibility, medical history, exclusions and provider documents.
Vet bill$6,800
Annual deductible$1,000
Reimbursement90%
Key issueEligibility and timing

A higher deductible can lower the premium but leave a larger amount to absorb when a major surgery happens.

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