I would not recommend this company. They are only covering a third of my dogs ruptured tendon surgery. This was extremely disappointing. The reason I have the insurance is to avoid large out of pocket expenses. Why have pet insurance if the purpose for having it is basically negated when a procedure is given a very low fee schedule by VPI. I would definately recommend an insurance company that has a 80/20 policy. Even half would have been better than a third.