VPI helped us pay for our dogs very expensive second TPLO knee surgery. Unfortunatley, they could not help us cover the first surgery because of the terms that they outline in their contract. We did not know at the time but you have to have coverage for at least one year before VPI will help with the TPLO surgery expenses. Luckily, the second knee surgery feel into our second year of coverage and we were reimbursed with around 80% of our entire vet bills. This is a huge relief when your pet is in need of a crucial surgery that is VERY expensive. Overall, we are very happy with the pet insurance coverage that VPI has offered us.