I purchased pet insurance through VPI for my Yorkie when he was a puppy. He will be 10 in June and I've submitted $2,233.98 worth of claims in nearly 10 years and they have only paid out $650.31. I've paid in over $3,500.00 in premiums, if I'd have just put the $30.00+ a month in a savings account it would have more than paid for all his medical treatment over the past 10 years. He's been very sick, and they always find a way to not pay. I feel like a total sucker. Never again, total waste of money.