We've had VPI for somewhere around 15 years. Decided to get it for all of our dogs after we had to make some really major decisions regarding our dogs future when they had serious health problems and no cash. I do realize that some people don't like the idea of paying first and getting reimbursed is a problem, but at least we know we will be reimbursed and can pay it on the credit card later. It still makes many of the decisions a whole lot easier.