Once upon a time, before pet health insurance, I pretty much put my dog through college in vet bills. She was worth every penny, and more. When I adopted Chai and later brought Fancy home at 8 weeks of age, pet insurance wasn't even a second thought for them. Chai hasn't used it more than once, but Fancy is a Labrador puppy and always into something! Never has VPI questioned my claims or the vets I have selected to go to, even the emergent vet visits have been reimbursed in full. Thanks to VPI I can provide the care my fur-kids deserve and not overwhelm myself in vet bills.