I have 5 cats and a small dog and have had them insured with VPI since they were babies (2 years of coverage so far). I've only had to take them in for minor things -- skin irritations, allergies, etc. VPI has covered the majority of the costs after the $100 deductible. The only comment I have is that I wish that the annual wellness visit was covered in the major medical plan. I have the highest amount of medical coverage but cannot justify paying the additional amount for CareGuard, especially when it covers many other services that aren't necessarily included in the annual wellness visit.