Henry is one of 3 dogs that God gave me and entrusted me with his care. Our oldest dog has been very expensive and by the time I discovered pet insurance, he was too old to be eligible for coverage (not to mention all the pre-existing conditions). Last November, I was thrilled to discover how inexpensive pet insurance coverage would be for the other 2 dogs, and it helped so we did not neglect their care because Zeke takes up much of our budget. So a year later, right before Christmas, poor little Henry ruptured the ligament in his rear right leg. He was unable to use the leg at all and was in pain. The TPLO surgery went on my credit card. We received a reimbursement check for about half the cost by the 1st week of January. Henry is doing well and I am amazed at how well the leg has healed in the short amount of recovery time since the surgery. We are very thankful for assistance and I am pleased with the coverage. In reading some of the other reviews, what I will say is that I can cover two dogs for about the same cost as I cover just myself on my employer's insurance plan. I think coverage of 50% of a vet bill this size is decent in light of the charges for the month. Thanks VPI for your help!