I have 2 Miniature Schnauzer which are brother and sister. We have had the VPI insurance since we brought them home. They were 6 weeks old. Harley & Holly are now 4 years old. They have never had any health problems so far. I take them every year for their yearly exam and shots. I send the paper work in to VPI and within 2 weeks I have my money in hand. Love them !!! Will always have them as long as I have pets.