I've had a VIP policy for eleven years. I purchased the policy when I first got my bichon. I didn't want to have to make a decision of not taking care of her medical needs because of the money. I thought if I had some help with insurance, I would have some peace of mind. A couple weeks ago, she stopped urinating and I had to take her into an emergency clinic. She had a bladder stone lodged in her urinary track. The estimate to have the surgery was $3500. Sofie is eleven years old. I couldn't not let them do something for her if they could. I thought I had the insurance and would at least get half back. Don't count on it folks. I submitted a claim for $3258 and received $456. What a slap in the face. I am cancelling my insurance and would not recommend purchasing this insurance if you are doing it for the same reasons that I was.