I have a 1 year old Labrador who had several trips to the ER in his first year for various Labrador puppy reasons. When I knew something was wrong with him and didn't know what to do, having VPI made the decision to take him to the Vet so much easier. I knew that I could get him the immediate care he needed and that it wasn't going to cost me a fortune. My first year policy paid for itself it one visit. And your claim is always taken care of in a quick and timely manner.