I can't not tell you how happy I am that I decided to get pet insurance! I knew when I bought the cutest puppy in the world....my English Bulldog Luxi...so I called VPI! It turns out it was the best decision I ever could of made. When she was 1yr. old she tore her one ACL, at 2 she tore her other, and in between she almost had an ear ablation from chronic ear infections. VPI Pet Insurance reimbursed almost all of it which takes 3-4 weeks and between the 3 it came to almost $9000.00. THANK YOU VPI I have recommend you to all my friends!!!!!!