We have Major Medical + Care Guard. It is SO worth the 600.00+ bucks a year. Care Guard covered my dog's wellness visits, tests and Heartguard meds. We had an emergency a month ago and had to rush our Boston Terrier to the vet because she had labored breathing. She was treated and 900 dollars and a day later she was fine...thank goodness. VPI covered everything, we just paid the 250 yearly deductible. Just knowing you are covered is a great feeling.