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We also have Healthy Paws for our two. They paid within a week for an ACL surgery and again nine weeks later for the other leg. I think we were around $10,000.00 minus our deductible.This is the first time I have had insurance - and given the bills we've had so far (around $14k to date) and others that I know we will have (1 more leg surgery and then annual xrays to check on the lesions on his spine) I am so glad I did it.