Just wanted to say THANK YOU!! My Newfie recently ruptured his cruciate in his knees (yes both..the second one happened the day we were heading down for surgery!!) So now 6 weeks later, he just had the other knee repaired. Anyway...VPI sure came through and had it not been for my insurance, I don't know what I would have done. They paid 90% of eligible charges....that is better than MY health insurance...thank you so much...you never know when something catastrophic will happen. I have had the policy since he was 8 weeks old...I figured by 10yrs we were in the clear for something like this...but it happened and there was no changing...just fixing it and VPI was awesome.