Junior was at his best friend Maggie's house when he somehow tore his ACL on the back left leg. He required major surgery for the ACL and luxating patella on the same knee. I was not prepared for an emergency surgery like that. I filed the claim with VPI, no hassles and in a timely manner the claim was paid. I was totally shocked that they took care of the whole bill. I would recommend VPI to anyone that has a pet. It's worth it knowing you have peace of mind in case anything does happen.