When I first got my Yorkie, he had an accident and broke his leg. After that I got VPI insurance. Over the 6 years I've had VPI, it has paid for itself every year. My Duke is a cancer survivor and I couldn't have done it without VPI. Recently he had another growth removed from his head. I was very pleased with my reimbursement. I would highly recommend VPI to anyone who loves their pet like a child and considers them a family member!