One of my dogs recently had to have surgery for an infected pollop. The bill was quite large (over $1,000). Some time after that, I was hurting a little financially and perfect timing, a check in a sizeable amount showed up from VPI. I was very pleased to get the refund. I have insurance on 4 dogs and 2 cats. It has really helped out with all my vet bills. I have recommended VPI to family and friends.