My bulldog is about 7 years old and we've had VPI for about 1.5 years. We thought it would be a good idea and then at her checkup halfway through the year, she needed tests and we discovered chronic kidney disease. She has special food now and she is doing well. I was so glad we had the insurance for all of the visits during the time we were learning about her kidneys. VPI gives you a clear outline of what is covered and what is not. If you turn in your claim form properly filled in, they return a check to you relatively quickly. I am very happy with their coverage so far. I use her insurance in 2 states--Georgia and SC, so the coverage isn't bound by one state. She also has eyelash problems, which is common for bulldogs, so they have covered that well, too. She is going to get some frozen off next month!