Our previous pet lived to be 18 years old, and we wish now, we had had VPI Insurance for him. We now have Okie, whom we rescued more than a year ago, and most of her expenses have been recoup' by VPI. If you're the kind of pet owner who makes sure of your pet's regular health-care, than most if not all of your insurance cost will be reinbursed. Also, having the peace of mind that if Okie has an accident, gets sick, or breaks a leg, her cost will be covered. Service with VPI has been quick and courteous, and so far, we have paid less for Okie's care than the cost of the insurance. I am as content with my pet-insurance as I have been with my auto and house insurance, and thank God they were there for me too!!