I've been a VPI customer since the 1980's. I currently have 4 dogs, and VPI has helped me with medical expenses on all of them. Last year, they had 3 procedures that cost $2500 each, and that 80% payment from VPI saved the day. I strongly recommend VPI, especially when you get a new puppy or adopt an older dog. I have never had any kind of problem or negative issue...Thanks VPI! From Linda, Cocoa, Taz, Sunshine and Eric