I was hoping to never hear those words, but when my boxer was diagnosed with cancer I didn't waste anytime with proceeding with treatment. Surgery was scheduled 3 days later and I hoped for the best. Not only did VPI pay for a majority of the surgery, it was such a relief to know that I wasn't going to debt trying to save her. It's hard enough to deal with a medical issue on a 4-legged family member as is. VPI was great during it and is well worth the premium.