I applied for pet insurance with VPI when my dog Roman was just about 1 years old. Who would have known that within 2 weeks of the policy being in force, I had to rush him to emergency. The insurance just about paid for itself after that one visit. Roman is 9 now and we have had to use the insurance many times over the last 9 years. You never know what is going to happen. I am grateful that I took out this policy as I would have had to make some serious decisions otherwise. Love your pet... get insurance!