I thought VPI was a good idea since it was the ONLY pet insurance out there at the time. Our Rottweiler "Gus" had a few growths on his feet and we scheduled them to be removed however, when the bill came, the insurer paid very little. I seem to recall that I broke even (policy same as deductible) and I was still owing approx. $500...their policy was very limited at best and yes, I too had a Vet make a note of possible "displaysia", not confirmed yet it was not covered.
Age of Pet