We have had VPI insurance for 4 years. Purchased it when our dog was just a puppy. We had a dog (mixed breed) who was only three years old when she got stomach cancer - believe me when I say I wished I would have had VPI at that time. I swore then that I would never have a pet without insurance. Currently we have a black lab and we have utilized our insurance time and time again. Never a problem with claims or just routine vet visits. Just knowing that she is protected makes all the difference in the world. Would recommend it to anyone!