After our family lost our 8 year old Golden retriever to cancer, We purchased VPI. When we brought Melody home as a puppy. My husband was very skeptical until at three Melody went up for a frisbee and came down in a hole with a torn Acl. VPI payed for exactly what the policy said they would pay for, the process was easy and the checks were paid fairly quickly. We added our puppy Harmony also a Golden to the policy . With high energy dogs like Goldens, VPI allows us to feel like we can handle emergencies if they occur.