I have an 80 lb mixed breed. He developed a malignant tumor at less than 2 years of age. I was very pleased with his coverage and the speed with which I was reimbursed for the cost of his operation. It was never a question for me of whether we would have the surgery, but the VPI insurance certainly eased the financial burden. We had spent thousands of dollars on our last dogs for various operations and treatments, so when we adopted John Boy I knew that I wanted insurance. I compared different insurance companies and plans, and picked VPI. My vet also told me that his experience with them had been the best. I also have coverage for my two cats, Fetzer and Gabriella. Fortunately, I've not had to use it, but it is a comfort knowing it's there.