I have 2 dogs - both small. One is a Japanese Chin and the other is a Chihuahua mix. I am a very responsible pet owner and love my furry friends. We lost our 3-legged cat after 18.5 years and at 15, he developed a bladder obstruction. After 2 emergency visits and a few more visits to the vet plus a week at the vet, we were out a small fortune. I did not have insurance at the time but got it because I wanted my pets to be protected. I signed up with VPI and they have been a pain to deal with. Not only are they very picky but they nail you for every little thing. I am really disgusted with them as they've diagnosed things that one of my animals doesn't even have! I do not recommend them at all and in fact, I am cancelling them very soon as well.