We enrolled with VPI after our beagle /bassett needed leg surgery due to a "torn" ACL. We were very specific about the reason we were enrolling... concerned abouit her legs. We were assured that all would be covered- even a recurrence of injury to the same leg after one year. 7 years later she injured her front leg, probably from jumping off a bed. My vet suspects a bone chip and suggests surgery. VPI denied the claim, claiming the breed is "predisposed". $600 a year down the drain. Ignore what they tell you upfront. Liars. Thieves.