I have a 3 year old mini schnauzer who is the love of my life. She swallowed a human pill or ate something poisionous in June 2012 and was very sick. I had to take her to the Pet Emergency Hospital and then she had to stay over night. My Lovebug fully recovered, but left us with a large medical bill. While VPI did not pay the entire amount, they covered a majority of the bill. Good insurance. Only wish that they had a better Wellness Plan, as I would get that also.