My dog is a 5 1/2 year old lab pit mix. At minimum, VPI has paid for itself every year. This year, my dog ruptured her ACL, first her right and then her left, back to back. Each surgery cost approximately $2500.00 and each time I got approximately half back. VPI customer care was extremely helpful in giving me an estimation of the cost of her surgery and answering my questions while I waited for the disbursements. I will never, under any circumstances, bring a pet home without VPI.