I had VPI since 1999, for a total of 6 dogs. Right now VPI covers" the second and third" generation of my dogs, and I have been very happy allover. Sure there are years when you think, why do I pay this?- but then the worst happens and VPI helps to pay for the cost. It is the same as health insurance for humans, you never should think about" can I afford this". Our pets are friends and family, and so much more, they deserve to be covered by insurances for their health and wellbeing. If more people would do this, there would be less " discarded" animals. The costs are affordable and the investment is well worth it. I would never have a pet without insurance.