My doberman puppy was about a year old when she swallowed the arm of q beanie baby doll. she became obstructed. A similar event happened at 4 months old both instances required surgery. i was with another company the first time and i had to pay over $1000 out of pocket. I switched to VPI and the surgery was almost completely covered. I was surprised as to how much was paid and the speed of the processing of the claim.