We have had our dog, Fritz for 3 1/2 yrs. During that time he has had to have a torn ear repaired and a small tumor removed from his leg. VPI has helped with the bills both times. We bought the policy primarily for this reason and as a major medical policy in the event that he had a major back problem in the future as many dachshunds do. Therefore, the jury is still out on that problem. However, we don't expect any problems with the VPI policy if that should happen, based on our past experience.