I wish we had this for our prior dogs. By the time I heard about VPI, our dogs were too old and had too many medical issues to benefit from the coverage. When we got our current dog, we signed up right away. This has been completely worth it. Since we signed up, he has had pneumonia and developed seasonal allergies. The coverage for the hospitalization and medications alone have been great. I've even recommended VPI to my brother, and he's thankful as his new pup has recently cost him $1,000 before submitting claims. I'll never go without pet insurance again!