So happy! VPI covered a LOT more of the cruciate ligament (knee injury) surgery and rehab therapy costs than I ever expected! I opted for my oldest dog to have knee surgery to attempt to save her other knee. She also had a 2nd set of rehab therapy. I submitted the 2nd claim for the 2nd set of rehab and the insurance covered more than 1/2! I submitted that claim unknowing if insurance would cover a second round of rehab therapy and They Did! Both claims submitted at different times were taken care of in about 2 weeks. Very grateful to VPI for offering such outstanding coverage for my fur children.