I have had VPI since I got Nico (a chihuahua mix) 5 1/2 years ago. He has had surgery twice, (hernia repair and removal of a lump). It was so nice to know that I would receive practically all of the money back. About 2 1/2 years ago I rescued Bella, (a Pomeranian) who turned out to be pregnant and her puppy was so cute we also have her son Max. I enrolled Bella as soon as I got her and enrolled Max immediately also. It is nice to have the peace of mind that whatever comes our way we are protected!