I have had both my dogs covered by VPI since I adopted them at 8 weeks old. The peace of mind knowing they are covered if there is a medical emergency is worth the cost of the premium. Some people have said that having insurance on your pets is a waste of money. I do not agree with this mind set. People have insurance for their husbands, wives and kids that they pay a premium for and sometimes get not benefit back...is that a waste of money? NO...this is peace of mind in CASE something happens. My thought is...if I get ANYTHING back for a covered procedure, it's still more than someone withOUT insurance would get for the same procedure...so which one of us is smarter? I would not adopt a pet again without having them insured. It has been a priceless peace of mind for those situations when you have to make a choice between cost and care....and I won't have to make that choice! VPI is fast, easy and friendly. I've never had a problem getting a claim process, always get my checks quickly and know that if I call I get a person who not only speaks English but lives in America and can answer my question quickly, professionally and friendly whenever I call. Top notch customer service and peace of mind for my pets health...always a good choice in my book!