Our Yellow lab (Wini) was an incredibly hyper puppy. I decided to purchase pet insurance and VPI seemed to offer what we needed. 4 months after enrolling Wini jumped off a high platform - allher tendons and ligaments were seperated. She needed a plate inserted and a reconstruct. VPI covered 50% of the cost. This was the coverage cosen and VPI provided superb service. VPI provides what is outlined, makes claim submission so very easy and forwards the reimbursement checks quickly. I have recommended this coverage to many dog owners and they are very pleased.