I was a little disappointed in my most recent transaction with VPI. My dog needed two ACL repairs (about $6,000). The first one (2900) , the reimbursed a nice amount (1200) and I was happy. However, because he tore both ACLs at the same time as opposed to separately they paid about 500.00 less for the exact same second ACL surgery. I was not happy about this. I would look into whatever policy you get. Yes, I am happy to have an insurance company to help out, but less than thrilled with the amount of money I received back. I wish I would have known this before my dog injured himself.