After spending over $37,000 (you read it right) over 9 years on our dog's treatments, vet visits, meds, etc. I got VPI insurance for our new pup. After my research of pet insurance companies three friends had recommended VPI so I went with it. I never thought I would need it but after my experience with dog #1 I got the premium coverage. I needed it. The bills were over $2,000 but I only paid my $100 deductible. We are thrilled with VPI! Our claims have been processed quickly and everything is so complete! As with ANY insurance - read the coverage and chose what fits your needs because as stated some things are not covered (as with ANY insurance of ANY kind). VPI seems like a great company & I would imagine from the quality of service I have received that they treat their employees well too.