I have a very active Cat (Bengal) and it gives me great piece of mind to have this insurance. He tore his claw jumping on a chair. I was reimbursed for most of the vet bill. I also got the paln that reimburses you a percentage for yearly shots and check up. It' my "just in case" security blanket! Clearly explains what is covered and not covered. I tell everyone with a pet to get VPI insurance.