My Cocker Spaniel Gina is now 4 years old, we have had insurance for her since we got her at 8 weeks. VPI has always covered her annual services and we have always gotten back at least what it has cost us for the insurance. Recently Gina was diagnosed for hip and knee issues and she is limping quite abit. VPI has covered about half of the cost of the treatment she has received. This could be a surgical event if things do not get any better. I feel that they cover what they say they will cover, and are always willing to discuss any issues that you do not understand about the coverage. Others say there are better insurance coverages out there,(up to 80% coverage) but it seems like the cost is far greater for the coverage. We have been very happy with VPI and have referred them to many of our family and friends.