I have had VPI since my dog was 12 weeks of age (he is now 3 and 1/2). Unfortunately, he developed some medical issues over time and also recently had to have dental surgery for a broken tooth and other dental disease. It was a very expensive surgery- over $1000 - and I was very happily surprised after submitting my claim that VPI covered 70% of the expenses. It's worth the yearly premium. The deductible is very reasonable, and when the unexpected happens, there is some help. Also, I have had great phone and email interactions with the company. Very nice people. Good website for information. My only complaint is they don't cover congenital medical problems or very common breed issues - likely because of the high cost - but possibly they could consider a tiered or premium for these issues.