Lily has had to have 2 ACL repairs, each being around $3-4000. VPI reimbursed us approx half of that, which I figured was about the amt I'd paid in over the yrs. I'm so glad VPI is there to help. Like others have said, it would be nice to get a larger % of the total cost, but then most likely, the premiums would go up. I wish that when we first learn our animal needs something so expensive, that they could somehow give us the money then, rather than wait a mo or so. It's hard to come up with that money, and both times the Vet office wanted the whole amt before doing the surgeries. Thanks VPI for being there, and for the Birthday cards for Lily ! She loves them !