My eight year old boxer has had the VPI Superior Plan with a cancer rider since she was about a year old (I waited until I learned how much an insignificant event - a bee sting, then mushroom ingestation - can cost with no coverage). With the exception of one year, she has had visits to the vet for tumors, and difficult to diagnose digestive disease. VPI has consistently covered at a reasonable rate, and in the case of cancer very well. Yes, we are out of pocket each year, but VPI pays enough that we feel we can continue to seek appropriate treatment when our dog needs it, and the result is we have a dog doing well. The best year, in my opinion, is a year when we pay for insurance that we have no need to use. We wish our human health care provider was as good.