Hershey, our Chocolate Lab has been covered since just after he had bloat (I wish we had it before bloat) which is roughly 4 years. In that time VPI has covered Hershey"s annual visits and has made caring for Hershey and vet bills a lot less stressful. This summer Hershey tore his ACL and needed it repaired. Coincidentally he had a malignat tumor on the same leg. We were looking at over $4,000 in surgery and vet bills! Thankfully we had VPI. Once we got our check back from VPI, our out of pocket expenses were $50! I am so thankful that friends/neighbors a few years ago recommended VPI. Without them we would have a big vet bill to pay. I will also say that VPI is always helpful when ever we call to ask questions about coverage. So we knew going into this that most of it would be covered.