Sierra had to have a number of cysts removed from her neck and head, and I forked out nearly $1000 to have them done while she was out during her dental work. As an older pet, I don't like to have her under anesthesia any more than is necessary. I always submit claims with the idea that any reimbursement is better than nothing at all, and with the wellness rider, I feel like I get back at least the amount of my premiums per year. It is tremendous peace of mind to know that should she need something huge, she is covered--the whole point of insurance! I was surprised and pleased to be reimbursed most of my expenses! I always say that even if I get back a third of what I expended, at least I get something. I am super pleased! I've had VPI for many, many years, with Sierra and with previous pets. Very contented. I recommend VPI highly!