Our pit-bull hound mix is almost 9 years old. We bought VPI (now Nationwide) 3 years ago. She has a preexisting condition that is not covered (incontinence) but she is otherwise healthy. In August 2014 and April 2015 we had to have 2 dental surgeries. Our deductible is $500 but the surgeries themselves were about 2k each. No hassles at all. The Vet's office filed the claim for us and we got a check from Nationwide in about 2 weeks. Although her annual premiums will rise with her age, we will definetly renew every year. We just can't have her suffering from a broken tooth or an abcess. The alterative would be to pay out of pocket, on our credit card.