I got VPI when I got my pup at 7 weeks. He had no serious medical issues, but he had lots of little ones (like swallowing a 12" cloth napkin, which fortunately he expelled after forced vomiting) and the usual--shots, neutering, etc. VPI handled my claims in a timely manner. When I called with a question, I always received a polite response. I am very satisfied and have recommended VPI to friends and family. I wish I had had it with my previous dog who suffered from cancer and cost me a great deal.