After my one year old cocker spaniel swallowed a needle and I paid for expensive surgery, I realized I should get VPI to help with future bills. Well, Thank Goodness I did. She developed a terrible blood disease that we fought for four years at great expense. We may not have been able to keep it up without the help of VPI. It doesn't cover everything, but it certainly helped us. Now, we have rescued a beagle and immediately got her covered by VPI.Hopefully, we'll never need to file a claim, but we are comfortable knowing we can.