I have one accident-prone dog, one growths-and-other-weird-things-prone dog, and fighting dogs. Needless to say, lots of trips to vet emergency and otherwise. VPI has covered more than I would expect over the years; they have covered even emergency fees. Sure, there are exclusions. But that is true with all insurance. Is VPI worth it. ABSOLUTELY. It is the first thing I will do any time I commit to a pet. That is part of my commitment, and I feel VPI is committed to being a supportive during the hard times. I love VPI and I will not shop around. VPI is the best, as far as I'm concerned.