Our almost 13 year old pug has been through a lot the past few years, from a toe amputation to removal of tumors. Through it all, we never had to spend time figuring out if we could afford treatment. We knew our VPI policy would cover almost all of our pug's care. It is nice to not have to make decisions based on finances, only on care. Plus, when I call with policy questions, I get live people who actually ask how Bogey is doing and genuinely want to hear about his health. We love VPI!