My dachshund Trixie got to where she couldn't walk and we had to carry her to the emergency vet which was over $500.00 and VPI paid all of the bill minus my co-pay of $50.00! She ended up having to be hospitalized for almost a week and VPI paid the $200.00 bill. Unfortunately she ended up having to have back surgery at a cost of $3500.00 which VPI paid minus my $100.00 deductible! Thank God for my VPI insurance. Trixie is doing well and we didn't lose everything to get her that way! The only bad thing for me was having to pay upfront and wait to receive my payment from VPI!