About a year or so ago, our Alaskan Malamute began throwing up constantly and having diarrhea so bad that she didn't have time to tell us she needed to go outside to go... I spent about 36 to 48 hours awake with her, until we took her to the vet. The vet did a bunch of different tests to see what could be the cause: giardia, an obstr...uction, etc etc, but never could exactly pin point what the problem was. It cost us about $500 total out of pocket, which was a lot for us at the time. Luckily though, we had VPI Pet Insurance who refunded most of that money back to us. Last Christmas, she also had an anal gland rupture which also cost quite a bit. VPI was there to help with the finances also. We've definitely gotten our money's worth with this company and I would definitely recommend them to anyone who owns a pet. Pets can be very expensive, but VPI helps with that cost. Our girl is probably going to need knee surgery soon... but I know VPI will be there for us when we need it. The only gripe I have is that the refundable amounts are based on their internal limits, not necessarily what the vet would charge for those procedures. For example, the emergency vet charges more for a visit than VPI is willing to refund.