My German Shepherd has been with VPI since she was 1 year old (she tuned 13 in Arpil). VPI has been there through thick and thin. She doesn't get sick often, but when she does it is usually pretty bad (it takes a lot to bring her down!). More often she has had injuries (being a hard working dog). VPI has given me peace of mind, knowing I can worry about getting my dog better rather than how to pay the bill. With only one exception the staff has been polite and helpful. No, I don't get every penny back that I paid the vet, but I have certainly gotten my money's worth for the premiums I have paid.