A wild turkey wandered into our yard and our Samoyed bolted after it. He came back on three legs. It turned out he tore his cruciate ligament (knee). To make a long story short, It cost $1500 to have it surgically repaired, and VPI paid us the full amount ( minus deductable ) and did it within 1 week. I think VPI is really best at being "major med" - that is, paying for things that I can't afford "out of pocket" - On smaller charges - that I really could have paid for "out of pocket" they paid me, at best, 50%. So get VPI as "major med" for you dog. It workd great for me.