I enrolled my dog, Cody on VPI about 8 yrs ago..He went to R.B on April 3 and being 11, his monthly premium was high on the Superior plus Cancer plan. In one week, his bills totalled around $1000 as he got suddenly very ill with the last stage of cancer, and I almost got everything back, Xrays, tests, blood trasfusion, except for boarding and food. I never had to use it much, gratefully all his years, except for shots, some Xrays, but the were great! Sadly, they even pay partially for euthenasa. Worth every cent.