I have had VPI ever since my English Bulldog was 6 months old. It is THE best decision we have ever made. We got my sweet Zeus when we were both in college. He has had so many problems- ranging from ear infections to spinal stenosis, 2 torn ACLs, eye ulcers, and recurring bladder infections. (I promise we really are responsible pet owners) I guess our bulldog is not as high quality as we thought... Without VPI, there is no way we would be able to care for Zeus. We have had so many unexpected vet bills, and it has been a huge blessing to get so much of it back. I have been impressed with how much they have reimbursed us for. Some things they don't cover, which is fine, particularly some things Zeus was born with or were hereditary. In his 3 years of life, he has had 7 surgeries & is about to have another next month, and VPI has paid most (if not all) of all but one or two of the surgeries. I will NEVER have a dog without VPI. You never know what could happen to your beloved fur baby, and VPI has enabled us to give him the best care we can. Thank you SO much VPI. I don't know what we would do without you!