When our dog (baby) Feisty ate something and had to have Emergency Surgery on a Sunday, we were very thankful we had VPI. He got sick on Thursday night, we took him to the Vet, on Friday morning, he was still sick on Saturday, took him back to the Vet, after several test, the Vet told us to bring him back on Sunday. When the tech told me how much it was going to cost, I nearly freaked out. $3100.00 is alot of money to come up with at one time. We were so thankful that we had this insurance to help with all of the cost involved. We have recommend VPI to several other people. If you are going to have a pet, I would recommend this insurance to everyone. We are very satisfied, with VPI.