My frenchie Cooper is 5 years old as of January 2012. He has had 4 surgeries for 4 different ruptured disks on 4 different occassions. He is doing extremely well, running around as usual. He has minor weekness in his right rear leg but that does not stop him. We have had to max out credit cards to pay for each surgery. Our VPI check has come in the mail around the same time the credit card bills were due. We have been able to almost pay off the entire bill each time. Even when he had 2 surgeries within a month and a half, VPI used the seconday insurance for the 2nd claim. I am extremely grateful for my vet turning me on to VPI Insurance.