I bought this policy thinking I would need it towards the end of life when the dog got older. My 1 1/2 year old dog simple wouldn't move and was whining in pain. I was terrified. After a lot of diagnostic procedures it was determined it had something to do with her joints. We were given medication but no real diagnosis. Luckily after a day or 2 the medication worked and she was back to normal and the bill was over $1400. VPI paid for most of it and I am grateful to have had the foresight to buy the insurance policy.