We got VPI when we got our 2nd Engish Bulldog as a puppy. Knowing Bullies can have some issues (went through it with our last Bully and had no insurance). In the first year it paid for its self with 2 trips to the ER. One for getting bit by a spider and and then for eating 12" ropes. It came in handy again when she had cherry eye in both eyes and then again when she need both rear knees rebuilt. Submitting the claims are very easy. I like how we get an email lettling us know that our claim was received and is being worked on. I also like how you can log in and see her claim history. I think it's well worth having, becasue you never know.