About 2 yrs. ago, I found a tiny bump on my dog's skin. I watched it for a time, and it did not go away and seemed hard. My vet also reacted with urgency. My 2 yr. old Sheltie had the recommended surgery. As a retiree, the cost was a shock, but thanks to VPI, who responded in a timely manner, I recovered about 80% of the cost of surgery. This year (at age 4, my Sheltie developed the same type of bump on another area). He is now recovered from surgery and doing well. I promptly submitted my bill to VPI. Thanks to my son, I bought VPI when I got my Sheltie as a pup. I highly recommend VPI to friends and acquaintances.