My bulldog, suffered acute pneumonia and esophagitis after it was put under for routine teeth cleaning. She ended up in the emergency room and on life support for 10 days as a result of this. I wound up with a bill a bit over $10,000. VPI did not pay one red cent towards the bill. Not for the emergency surgery not for the hospital stay nothing. I subsequently cancelled my policy and have been fine without it. I would not recommend VPI to anyone, unless you have money to burn and want a false sense of security. I have since heard from many other dog owners that they have also had the same experience with VPI.