When our son was 2, we had a beagle, which we had to give to a friend, and he was very upset. When we got Phoebe (yellow lab)11 years ago, my wife and I knew this was "forever". We did not want to face the possibility of having to euthanize her if she were in a bad accident or had some terrible disease, just because of the cost, so we got VPI. I have found VPI to be very good, and relatively quick in reimbursing us. While I suspect that at the end of Phoebe's life (a few years away, I hope) we will not have SAVED any money, or even break even, I am glad for the peace of mind we get knowing VPI is there when and if we need them.