I had a 3800 vet bill and did not have insurance at the time. A couple at the hospital had their pekingese there for the same back problem and they had VPI insurance. Most of their 3800 bill was reimbursed. It made a believer out of us. We now have both of our pekingeses covered and have been very pleased everytime we have used it the insurance. WE used it once for surgury for a bladder stone and was very pleased with the reimbursement we received.