We got VPI pet insurance "just in case." Unfortunately for us, out puppy got very sick and had to have her hospitalized. We got no where near as much back from having her insured as we anticipated. When you get a quote, they say "Up to $7,000 annually." However, if you look closer that is if your pet gets every possible illness that they cover. Despite this, I am still happy that I got the insurance. What we got back was helpful in paying the vet bills and the claim was processed very quickly.