VPI has been great during Abbey's surgery for a torn ACL and recooperation. They paid within two weeks approximately 60% of the $1900 bill. We would not be without VPI. I have had Abbey insured since she was a puppy and it was well worth it. I have owned 3 other dogs in 30 years that were not insured and had to pay a lot of out of pocket money. One dog had cancer and the other two had just as serious of diseases. So I decided to insure Abbey and Robby it has been well worth the money. VPI has the best prices, pays the most and gives you a lot of health care options for your pet and your pocketbook.