We had VPI insurance on our first Shih Tzu (Cookie) who lived a pretty healthy life. No accidents and no surgeries. My biggest complaint was that as the years passed and we had very few claims, the price went up to about $500 per year. When we had to make a decision on Cookie when she started having problems at 16-1/2 years old, the vet said that there wasn't anything else they could do and that at her age we should consider euthenasia. We went along with the vet's recommendation. VPI did pay us for some of the emergency and euthenasia fees at the end. But, I would have been better off putting that money into an account for Cookie's health expenses and would have had a lot left over at the end. However, now that we have a new pup, same breeder, and there's no reason to think that this dog won't grow be a healthy dog, I am considering pet insurance again, for the one simple reason - peace of mind for ths extra expensive bills. I haven't made a decision yet.