Our dog Bo has been on VPI for a few years now. She is a herding dog and enjoys running around the yard trying to catch our other dogs. She ended up severing her ACL and needed major surgery to repair it. Our medical expenses totaled $3900 and we were reimbursed for all of it except our $100 deductible. With our many other daily expenses we couldn't have been more grateful and happy to have almost all of her expenses covered! Completely worth the monthly we pay in insurance every month. We recommend you to everyone! Thank You VPI!!!