Our 7 yr old greyhound dislocated a toe in two places and surgery was nearly 3000. VPI reimbursed a little over 2100 for the surgery. We had an initial visit with our local vet for $222 which included an x-ray and that was also reimbursed minus the $100/yr deductible. My husband and I feel that you take a chance with any insurance because it depends on the circumstances and injury as to what will be reimbursed. We feel fortunate that VPI reimbursed what they did, so we are a happy policy holder. Payment also arrived in 2-3 weeks after billing. The orthopedic vet office submitted an itemized bill for us and included the surgical report which may have helped the fast payment.