It all started 20+ years ago with Alex, my Doxie who needed $5,000 back surgery. We had to take out a second on the house to pay for it! We didn't have VPI then. We joined VPI with the next pup, and have now insured 4 Doxies. Every time I pay the premium I think about the cost, and how much MORE the cost would be without the insurance. VPI provides excellent coverage, they are prompt with their claim processing, and always available to answer questions. I recommend them to everyone I know who has dogs!