Our beautiful golden retriever developed gall bladder problems and we had to take her to Albuquerque for emergency surgery. Since we had the policy with VPI, we felt that we could have it done as she is our furry "kid" and she deserved the chance to live as she was only 4 at the time. We still had to pay a lot out of pocket, but VPI paid about 50% and really did save her life. There is no way that we could have paid it all. Thank goodness we bought the policy as soon as we got her. She is a dear, sweet and well-loved member of our family. I hope VPI keeps the premiums down to an affordable rate so that seniors can keep their pets healthy with the needed (and expensive) yearly vaccinations and health check-ups. Emergency care should not have to be about costs when it comes to saving your beloved pet! I do wish they would cover a higher percentage of all the expenses.