My best friend, Bandit, a German Shepherd, somehow managed a life threatening injury. I came home from visiting family and there was blood everywhere and he was bleeding from the penile area. I took him to the local emergency vet office and the cost was over $1400 and included major surgery at 2 AM because they were unable to neither find the source of the bleed nor stop the bleeding otherwise. I had JUST procured my VPI insurance a few weeks prior and had only made that initial payment. I thought for sure it was not going to be covered but, I was wonderfully wrong! VPI paid everything other than the deductible and I am more than grateful to them...so is Bandit!