My yellow lab Maggie recently had a CCL repair. After a year of limiting her activity and starting glucosamine her condition did not improve and rather became worse. After considerable research we went forward with surgery and was very pleased that VPI covered the majority of expenses. OUr thoughts are now on rehab rather than worrying about the expense of surgery. We are pleased we started coverage as soon as we brought her home as a puppy. Despite being over protective pet owners 'stuff' still happens to an active dog. Four years later we used VPI for various claims and have always been pleased with their response and coverage.