This is just a general comment about my experience with having VPI Pet Insurance. I have insurance for major problems. I have found that it pays about 1/2 the cost. I think this insurance is worth having. I know that I would not save towards potential expenses on my own. I have a multi-cat family of senior kitties, all brothers and sisters. I have found that a cat may be healthy one day and have a problem the next, ex. thyroid & arthritis.