I decided to purchase VPI after I heard how "accident prone" yellow labs can be. Well, thank goodness I did! Within 3 weeks of buying the policy Sawyer cracked his nail and needed to have it removed while under anesthesia. He's been to the vet a few other times for licking a poisonous toad (we live in Florida), and for hurting his paw pads in "day camp." So far the reimbursements I have received from VPI have exceeded my yearly premium paid to VPI. I have Major Medical and CareGuard Premier. Completely and totally worth it. Claims have been quickly processed and paid out each time. I will definitely be renewing the policy!