If it wasn't for VPI when our pup lost her tail, we would have been so far behind with our bills! All my friends laughed at me for getting insurance on my Malinois, but I am so glad I did. I met my 250 deductible and got back everything I spent on her surgery outside of that, plus an additional few hundred dollars in rechecks! I will always have insurance on my pup. It only took 2 weeks to get my money back!