I found out the hard way. My cat Scooter had lymphoma. I spend a lot of money trying to get rid of the cancer. 80% of the time, cats go into remission. My didn't. I spent almost $13,000 when all was said and done. VPI reimbursed me around $1,500. My cat Bunny broke his leg and had to have his eye removed. Embrace reimbursed 90% of the ACTUAL cost which was around $3000.