My Great Pyrenees, seven in April 2012, has been insured since June 2005 (as a tiny puppy). For the most part, Nell has no problems. BUT there have been a couple exception and VPI has been right there, not only for my pocket book, but for the ease of mind when something does happen. And, she is a giant breed (weighing in at approximately 120-125 lbs (yes, she was tiny only for about 3 months)), therefore most procedures cost an arm and a leg (mine) - VPI helps immensely. There have been years without claims. GREAT. And for those times I have submitted a claim, no undue time for the check to arrive in my hands and no hassle. Should I get another puppy (and I probably will), VPI will remain part of our lives!