My wife and I had a 7 month old toy poodle puppy. On Thanksgiving day, she broke her right forelimb (radius and ulna). Total cost to have forelimb surgically repaired with titanum plates, screws, med costs was about $3800. I submitted claims to VPI post-surgery and $3450 of the total cost was reimbursed within 2 weeks of submitiing claims thru fax. I always knew having pet insurance was a wise move, but after this experience, I will be forever thankful to my VPI coverage.