I purchased VIP Pet Insurance after my labrador needed surgery on her blown knee. The cost was $1500 for the surgery, I should have purchased it sooner. Some 4 years later she had another surgery for her opposite leg. She did the same thing. The insurance helped defray the costs which was so much better than having to lay it out of my pocket. The representatives are professional and friend and the paperwork is very easy to fill out. Anytime I have sent in a claim I have received a response within two weeks. They have always been able to answer all of my questions and I have never been disappointed. My labrador is now 6. I can honestly say I am so grateful that I purchased the insurance. For the low cost it's worth it in the end. Happy holidays!