I've had my 7 year old pug insured since I adopted her as a puppy. VPI has paid for all of her vaccinces, having her spayed, stool samples, and even for a biposy of a suspicious lump. My claims have always been processed and paid in a timely fashion. While her rates continue to increase with her age, I feel secure that VPI will continue to provide value for what I pay. No insurance is perfect. I wish they would cover everything at 100%, but I can't imagine not having the coverage.