I have a Pomeranian and I took out insurance on him before he was a year old if I remember correctly. He had to have some minor surgery as a baby and VPI was recommended by a friend. I have had nothing but good experiences since that first day and Corky, my Pom, will be 10 years old next February. Even though he has an exclusion on his policy, all I had to do was get his latest year's records to prove it was not a continuing pre-existing conditon and they paid their portion. I would recommend VPI to any responsible pet owner.