DO NOT SIGN UP! We signed up in case our dog needed another TPLO. VPI was the only pet insurance that claimed to cover TPLOs for dogs that have already had a TPLO. As long as the knee in question wasn't damaged prior to the 12 month probationary period, they claimed they would cover approximately $2,500 of the surgery and rehab costs. I've spoken to at least 4 different agents between the time I signed up up until my dog's TPLO last month. Each and every time they confidently assured me they'd cover it and that all I needed to do was make sure the surgery was after the 12 month probationary period. They were so reassuring I didn't think I needed proof of their verbal agreement to reimburse me for the TPLO costs. Well, I'm an idiot and out $5,000 (price of surgery and VPI monthly fee for the past year). My dog just had the surgery and they aren't covering any of it. DO NOT SIGN UP!