My dog came along as a stray, so I had no idea what kind of medical conditions I might be dealing with in the future. I had 2 previous dogs who BOTH had to have very expensive ACL repairs, so as a precaution, I enrolled this dog in VPI'S Superior plan. Sure enough, this dog blew her ACL also! I felt like the reimbursement for this surgery was more than fair. Not only that, she has developed Cushing's disease, thyroid problems & a host of other miscellaneous odds and ends, none of which i would have been able to afford without VPI. Sure, I wish that the benefit limits were higher, as we max it out every year on the Cushing's and thyroid, but the fact of the matter is, without this insurance, I would probably have had to put this dog down a long time ago. I wouldn't be without this coverage for my pet.