My cindy is a very delicate baby, when she was younger she had insurance through another carrier, it was becoming so costly and she was whom i thought was a wonder dog and never getting sick. Therefore i decided to cancel the policy. As soon as i canclled she got ill, my friend told be about VPI and i researched and signed up for it. My daughter then had winky and i signed up for both. We've been very happy so far and been re-imbursed for almost everything. Now I recommend VPI to almost all pet parents i know.