I opted for the basic major medical policy for my two dogs. I have made good use out of our policies for the 6 years we have had them. VPI has reimbursed us a substantial percentage of medical needed for teeth extractions, sprains, a puncture wound received from a neighbor's dog, accidental ingestion of raisins my sister-in-law left out. What I have received in claim payments certainly paid for itself. I would recommend VPI to any pet owner.