I have a senior Samoyed. He is 14. I have had VPI insurance for him since he was a puppy. The superior plan that is. Their caps on osteoarthritis are ridiculously low. I think they pay something like $150 per year for treatment. I pay them $700 now per year for his coverage. That's all he has, osteoarthritis, because he is old. He gets laser treatments and they cover them but ONLY up to the maximum of $150. Nonsense!!! I don't like them and I will be shopping around much more before I select an insurance for any future pets. They also take a month to process a claim and often I have found mistakes (to their benefit) which they corrected, after I called and complained. Shop around... There has to be a better insurance out there.