We had TPLO surgery done on our dog. The surgery and recovery was difficult and long but worked out fine.We saw 3 doctors and choose the least expensive which turned out to be the best one for the money.
ASPCA Pet Insurance paid for all the consults and all the charges except for a few. Although I did not agree with some of their "reasonable rates" on a couple of charges they where reasonable on 90% of the bill.
I have worked in auto claims for 35 years and understand the reasons for reasonable rates. The fact that they did pay for all the consults was a show of good faith.