I am a first time owner of a dog we rescued. I've had VPI since my dog was 1( she is 3 now). If you care about your dog it's nice to not worry about costs every time something occurs. VPI costumer service is very helpful every time I called with a question. You have to read th e policy and make a decision based on what you'd like covered (see different options). They also are clear about what is covered and what is not. I have had most claims paid in full because of the type of disease. I recommend VPI wholeheartedly.