My beagle Rumba who just turned 10 needed emergency ruptured disc surgery this past February, 2011. The total bill was 4,000.00. My husband was very leary of VPI and since this was the 1st claim submitted, we really did not know what to expect. To our surprise, we received a check not even 2 weeks later for around $2,200.00. This really helped because I had just lost my job and $4,000 would have hurt us much more. $2,0000 out of pocket was still alot, but it was manageable. I will continue to pay VPI for the course of my dog's life. I feel it's worth it in the long run. Thanks VIP!