I purchased VPI insurance when I first got my new purebred yorkshire terrier Sammy. In 2003 pet insurance was hard to find. I used them for about the first three years of his life. I found their policy to be complicated and the payouts were rare. I would not recommend VPI as an option for pet insurance. You end up paying most of the costs of annual exams, wellness visits and minor injuries yourself. At least that was my experience.