When I first got my puppy, Rufus, I wasn't sure if pet insurance would be worthwhile, and my friends even laughed that I was considering. But I asked my Vet, and he recommended it. He said even if your pet has no issues, because they will be a beloved family member, that you will always want to do all that you can to keep your pet happy and healthy. I bought the insurance, and thank goodness I did. Rufus has quite the rap sheet for a puppy, including a broken leg that required surgery. The surgery was quite expensive, and it was a tremendous help the coverage provided by VPI. My experience with them has been wonderful, they have not rejected a single claim, and the payment amount comes quickly and is much more then I would have expected. I would strongly recommend VPI to anyone.