I purchased the insurance when my dog Aussie was 3 months old. I have been with VIP for almost 5 years now. Since the beginning I have been very pleased with the insurance process. The insurance has covered a portion of all of his illnesses, injuries and prescriptions. Aussie recently tore his ACL, which required surgery and was very expensive. I was very pleased with the amount that VIP picked up. It certainly wasn't a 100%, but no insurance provides that much coverage. In the early years I was concerned with the amount of claims Aussie had, but I soon found out VIP will not drop the coverage due to the number of claims. The premium goes up with age, but I find that reasonable. I have recommended VIP to all of my friends.