I had purchased a VPI insuarnce policy as soon as I got my puppy(Rottweiler). He is 4 years old now, and has had 2 knee surgeries, one on each knee, both adding up to about $8000.00. VPI covered nearly all of it!!, at a time when we had just purchased a home. VPI saved us from financial hardship. My dog recovered niceley from both surgeries and is running around like it never happened From here on out, I will always insure any dog I ever get with VPI.