I actually first got VPI insurance for my previous dog, Logan, over 18 years ago. The dog we had before him was VERY ill with heart issues and I had no coverage. I purchased VPI the day we brought Logan home. After we lost Logan, I did the same for Bentley. I've never done the math, so I can't say one way or the other whether we got more out than we put in over the years, but I CAN say that it is a huge relief—and a huge help— when you receive that VPI check after a very large medical expense (and we have had plenty). Add to that the quick turnaround of claims and the very personal, compassionate and knowledgeable service you receive when you call, and the insurance, to me, is worth every penny.