I had some major health problems with one of my Dachunds. She has had 2 back surgerys that have cost us over $10,000 for just the surgerys. I wish I had gotten insurance on her when I got her. We got a puppy last year and chose VPI for her insurance. I am very pleased with VPI. It helped with her spay and micro chip. Then as puppys do she ate things she wasn't supposed to and was in the hopital for 3 days. It was almost $1400. Her VPI plan payed us back over $900 of that. We can track the progress of the claim on line and the people we have talked to over the phone have been very helpful and nice. I am so happy we got VPI.