Carly, my rescue mixed-terrier tore her ACL chasing a squirrel. After conservative treatment didn't work, she was referred to an orthopedic surgeon due to the complicated nature of the injury. She had the ACL repaired, a little metal added and after six months of careful, increased activity is doing very well. We are on a fixed income and without VPI insurance, I'm not sure how we would have managed. Customer service was professional and helpful and our claim was paid promptly.