When our dog had to have surgery for eating the stuffing from a toy we were so scared. After the surgery,$2900, Penny was feeling great and back to normal in no time. I sent the claim to VPI and within a week the claim had been processed. They covered $2400!!! We were shocked and ecstatic they covered so much! Could not have afforded the surgery without VPI. PLEASE get insurance for pets it makes a HUGE difference!