Rocky ruptured his ACL in November 2011. I immediately contacted VPI and the agent was very concerned with how Rocky was doing. This impressed me. He carefully went over my coverages so I could make an informed decision on the route we would take with Rocky's surgery and subsequent therapy. I am please to say, VPI came through with flying colors, covering the surgery and therapy as promised. Rocky has made nearly a full recovery in just five months. Thank you VPI!