I have 3 dogs and they are all covered by VPI. I had a large bill with bladder stones with our female, VPI paid well and promptly. I had some large bills with Thyroid issues with our large Male, blood work 160.00, medications, now severe anemia, 1957.00 bill. Payment is in process. So glad I have the policies! Best thing I ever did was take out the policies for our dogs!