I feel for you. I found out there 'Max Payout....." that hard way. For me at least, it was a small bill for $117 and they only paid $6.70. I understand VPI does not want to pay $2,000 for a vet to remove a splinter. But when I looked at what they consider to be customerary per injury/illness I saw that my supposed $9,500 was a fairy tale. Beware people like S. Anderson here. Check your policy, because the "Quote' Coverage offered by VPI is not what it seems. Every Medical Procedure on the list for my policy, they max amount for any type of expensive surgery was about 15% of what the real bill might be.