I have an 8 year old American Pitbull Terrier that had two knee surgeries. After each surgery, VPI sent me a very nice check that was super helpful!!! My biggest fear was having a dog and then something happening that I couldn't afford to have treated at the vet. VPI has been so great over the years. The only thing I would change is having to pay everything up front. That is really hard sometimes if it is an expensive bill. I made sure I got my new puppy set up as soon as I adopted him because he has had a rough start to life and has needed a lot of visits to the vet.