We have VPI for my 3 yr old SharPei/Lab mix, Ava. We have both the core coverage and emergency coverage plan. Even with two plans, it is very inexpensive. We started coverage when Ava was a puppy so we pay less than you would for an older dog. These plans are great because they cover reimbursements for flea and tick prevention and heartworm yearly. Plus, we get pretty good reimbursements at every vet visit whether unexpected or for a routine check-up. Beacuse of having VPI, I never worry about a large vet bill, heaven forbid anything happen to Ava. Plus, a bonus to VPI is you can submit your claims online and track them as they are processed. VPI has always been very helpful, the very few times I've had to call. I highly recommend VPI to anyone looking for pet insurance and piece of mind.