Almost 3 yrs ago, my mini dachshund Patches, was losing the use of his back legs. We rushed him to UC Davis Vet Hosp & that night they did surgery. Cost didn't cross my mind, I just wanted Patches well and knew that VPI would cover part of it. When surgery was over and it was time to pay $4000, there was comfort in knowing that I would get some of that money back. I submitted my claim with VPI within 2 weeks or so, I got about half of that money back. Patches is still walking and playing as if nothing ever happened. I would recommend VPI to anyone with pets. I would recommend that you get your pets on VPI when they are little, it so worth the monthly fee. They cover the annual checkups, shots, all of that routine expenses. I'm very satisfied with VPI.