My 3-year old Chihuahua, Sancho, needed knee surgery for a torn ACL, my husband had been laid off, and we were concerned about how to pay for his expenses. VIP really came through for us. They handled our claim much faster than I expected, were gracious enough to check on Sancho's progress after surgery and have reimbursed us for almost the entire amount of Sancho's surgery. Sancho is up to speed and his new knee should last for many years to come. I have recommended VIP to several of my friends and will continue to do so.