I have had VPI for 15 years and four dogs. I have had a good experience using VPI for every dog. I have been through cataract operations, diabetes, fractured legs, and seizures. I was vey thankful for this insurance, as I could provide only the best care for my buddies. It was a relief to know that I could count on VPI, with the cost of surgeries and medications. It was also great for the annual vacinations and physicals. Just have only one request to VPI--It would be wonderful if hipdysplacia would be covered under your plan.