My dog was diagnosed with a ruptured CCL in his left hind leg and required surgery. When all was said and done, the cost of the procedure (including gas inhalant, waste disposal, etc.) was $1,425. I submitted a claim to VPI and received a check for just over $1,100 with in two weeks. The claim process is simple, just fill out the claim form and send it in along with an itemized receipt. I was very satisifed with the turnaround time and also with the amount that I was reimbursed.