We have had VPI Pet insurance on Sachi since we got her, at 4 mos. old. Our first big vet bill came when she came down sick (vomiting and diarrhea) and had to spend the nite at the vet hospital. The bill for tests, observation, and re-hyrating came to $885, and within 2 wks VPI paid out all except our deductible of $250. We've been extremely happy with VPI and the service they provide. Would never have a pet without insurance under VPI.