Investing in VPI is worth your while. If you consider your pet a part of your family then wouldn't you want insurance to cover them? We've had our policy for 7 years, since our dog was 12 weeks. During that first week home at 3 months old, she broke her leg - needing a new cast every 10 days given how quickly she was growing. X-rays, appointments, casts were atleast 30-40% covered. Since then she's had multiple stomach and skin allergies, and a torn ACL. A decent chunk of the very expensive ACL surgery was covered. I am so glad we have VPI, I recommend it to everyone!