Our company offers pet insurance as a benefit. I recently rescued two dogs, both about 2 years old. Because they are young and I had no history on them (they were turned in to the pound) I decided to give VPI a try. Horrible insurance with every excuse for not covering squat. Because of my experience, other coworkers are not enrolling and I am spreading the word through my company what p.o.s. insurance is offered by VPI. Their message loud and clear was if you rescue a dog and a health issue comes up, make the dog suffer until the policy is several months old or it will be considered preexisting. Based on other reviews (not on this site of course) it seems they use the word preexisting quite often to get out of paying anything!