If you have a pet, you need to have VPI. The coverage is good. I am a actually using them for a second time. First time, with my dog, who had surgery on both knees, VPI, covered a good portion, not a lot, but some. You will never lose money, I have never looked back thinking this is a waste of money. The coverage of flea and heartworm could be higher. I think everyone who has a pet needs to have VPI. I looked at the other ones, not really impressed. Most vets recommend this one.