After our 5-year-old black lab tore one of his ACLs last year and we paid all of the costs out-of-pocket, we shopped for a pet insurance carrier that would cover the repair of his other ACL should he tear it in the future. ASPCA would cover it after a 12-month waiting period so we purchased the insurance. 15 months later, Jackson tore his other ACL. ASPCA insurance covered the surgery and associated costs up to the incident limit ($2,500) for our policy. So glad we bought the insurance!