My dog Brandy is 11. Got her from a shelter when she was 1. Put her on VPI right away cos I learned my lesson on pet care costs back when a "long since gone kitty" racked up 1500.00 in vet bills for 3 day stay due to bladder/kidney infection. Brandy is a older dog and has experienced chronic back issues, thyroid disease, pancreatitus and other soft tissue trauma. When signing up with them I really was pleased to learn they have been in pet ins. business longer than any other company.