I have a 5 year old cat that has 2 surgeries for eating objects and becoming impacted. The first surgery, at 1 y/o, I did not have VPI and I paid over $2500 out of pocket. Shortly after that surgery I got VPI for both of my cats. Fast forward 4 years and he's done it again and needed surgery. This time out of a $2500 bill VPI paid close $2000. This was a very fair reimbersment for the vet expenses. I have recommended pet insurance to many of my family and friends.