Our 2 year old Shih Tzu, Spencer suddenly became very lethargic, couldn't keep food or water down and we thought we were going to lose him to hemolytic anemia. His treatment, including an emergency blood transfusion, is ongoing, but for the first time in almost 2 months, he is playful and HUNGRY! After a bad economic year for our family, I nearly dropped the insurance in an attempt to keep the budget down. We could have never afforded this kind of treatment out-of-pocket. VPI paid promptly and more than I expected. I was especially pleased to get an e-mail recently from them inquiring after Spencer's health, so I am glad to write this review!