After telling everyone that I was getting an English bulldog there was one thing that I kept hearing...buy insurance! It isn't a 'if it will happen' it is a 'when it will happen'. After 2 years, I can say that it was the best investment I made (aside from Magnus himself) :-) He did get mange when he was a couple of months old that they didn't cover, but otherwise, it has been absolutely fantastic! And had I read all of the information prior to buying it I would have seen that the demodex falls under a category they don't pay for. I love knowing that I will never have to choose between what is in his best interest and whether or not I can afford it. When we bring home our french bulldog puppy in the next couple of months I can tell you the one thing he will have immediately...VPI!!