I was fully aware of all that VPI covered when I signed with them. I have a large Newfoundland and expected that if any problems arise they will be costly. i have received reimbursements in a very timely manner and the paperwork is very easy. On the phone i have received pleasant attitudes and they make sure you understand everything. My favorite part of the insurance is the coverage for well-care. Some human coverage doesn't even have that. i have had two emergency issues with bloat (good outcomes)and it certainly helped knowing I had this insurance to fall back on. A decade ago I had a different insurance that was more of a hassle and did not cover near as many issues.