We have two cats and both have VPI coverage. This winter our kitten decided to eat fringe off of a rug. He had to have emergency surgery on a Sunday and stayed at the vet's for several nights. He had many tests, xrays, etc. VPI covered the majority of his bill and I was very pleased. They have great customer service and I recommend them to anyone. You never know when your pet might have an emergency and having VPI insurance makes it a little less stressful!