My puppy Ozzee recently became very sick without warning. We rushed him to the vet. Now looking back I think he was dehydrated, but at the time the dr ran some tests said it could be a few different things. They hydrated him and it took overnight but by the next day he was back to himself. The dr's bill was over 600.00. I put the bills into VIP and was pleasantly surprised to receive almost all of the money back. So glad I have coverage for Ozzee.