I have had VPI insurance for my Sheltie Dixie since she was three months old or nine years. For the most part I am satisfied with the coverage, but I think more should be paid for some expenses, given the annual cost of the policy, which continues to increase. She just had her annual chackup and the vet recommended blood screening, as at her age it is good to do this to detect any problems early. All tests were normal, but there is now a base line to go back to if necessary. However the blood work was $150 and only $50 was covered. Given the fact these tests could save money later, as preventative care, this is not considered. This seems to be a common complaint from policy holders. More should be paid on claims.