I have used VPI for many years. I currently have two dogs insured but both have different policy types. One dog is a walking medical bill and the other not so much. I recently took advantage of VPI's zero deductible plan and it has worked out much better for my "million dollar dog" as we call him. I wouldn't hesitate to recommend VPI, however I would suggest finding a plan that fits your pet. I don't think a year has gone by that I haven't at least received my annual policy amount back and I've been even more pleased with the new deductible plans offered.