In Febuary of 2011, my 3 year old Rotti, Rita blew out her right knee. Her primary vet, said this was serious and needed to see a specialist A.S.A.P. Upon visiting the specialist, the quote for surgery was 3,476. I did not even think about options,I have been a VPI customer for 15 years and have always gotten excellent service!!!! I got my check from VPI for 3,337 with in 2 weeks, what a blessing! So Rita was home bound, locked in the house for 8 weeks to recover. Rita is back in action, then early morning of June 2012, playing with her buddy Buck, instant replay, left leg. So now I know the drill, surgery again. This time quote 3,427 and my VPI claim returned back in a couple of weeks for 3,177. Rita has metal parts in both knees, so I say she has a bionic back end. VPI saved me from extreme vet bills. I am so happy being a VPI customer and wouldnt have a best friend without VPI coverage!!!! Thank you VPI.