My Irish Wolfhound puppy ate part of a corncob and needed emergency surgury to remove it. Since he was under anesthisia I had his stomach stapled(prevent blout), and nuetered at that time. The bill was just over $3000. VPI payed me just over $2500 in less than two weeks. Not to mention what Ive saved on puppy shots, maintenance meds, etc... I will always have all my pets insured.