We have two shelties, both insured through VPI. We consider it an investment in their health. With the coverage we chose it basically covers their yearly vaccinations, teeth cleaning, heartworm meds and flea meds. Thankfully we have not had to use the medical coverage very much but we are glad we have it in case of an unforseen problem arises. Our previous sheltie was also insured and VPI was fantastic in helping us pay his medical bills when they arose. When you love your pets as we do, it is the best we can give them.