My miniature poodle tore here ACL in her back left leg and I just cringed at how much it was going to cost. I found a vet that did the operation for 981.00 and was very lucky to have the 10.00 a month VPI insurance on my dog..which covers accidents. I turned in the paperwork and waited..2 weeks later I got a check for 731.00!! That was after my deductible of 250.00! I was so thrilled to see that check. I have been bragging to everyone about VIP and how they should get their pet cover. Next I am getting my rescue cat covered too!