I have a 6 year old chocolate lab. When I first received her I was very iffy about getting insurance... Do I want to pay MORE money?! VPI ended up saving me money over the years! They pay for most of her shots, heartworm and tick prevention medicine. My dog has also had to have 3 surgeries (2 were NOT planned and very expensive). Thankfully I had VPI to pay most of the bill form me!! I just got a 2nd dog and immediately enrolled him with VPI as well!