I am a big fan of pet insurance. We have had AKC for both of our dogs for six years. My company offered VPI at a discount so I switched one of our dogs to VPI to try it.In short, from VPI, the amount I spent on insurance would have easily covered my output for the dog bills. Bottom line, AKC has paid nearly every claim with little to no hassle. I am so sorry I switched. I would recommend AKC to everyone.