Almost two years ago, when my 13 year old Shepherd mix needed very expensive surgery and rehab, I made the decision to obtain insurance for my young, healthy Lab mix. My daughter, who lives in LA, has all four of her dogs covered and referred me to VPI. I feel such peace of mind knowing that if Mardi should have an accident or need surgery as Tag did, it won't be the financial shock Tag's episode caused. It's also very nice to get a check after purchasing heartworm medicine and getting Mardi's vaccinations. Worth every dollar!