Our dachshund, Ruby, is almost eight years oldnow and we have had VPI insurance since we got her. I cannot tell you how many times it has paid for itself. Every year when she gets her shots, she has to be premedicated because she has allergic reactions to them.. The first time this happened, the vet also noticed that she had some swelling in her neck/throat area which indicated a tooth problem. Luckily, the dentist for dogs is very close to us because Ruby had a cracked tooth and needed a root canal. It cost $1050 and we received a check for $525 from VPI. I have referred many friends and family to VPI and everyone is pleased with it. I definitely recommend VPI to anyone who is looking for a reliable pet insurance company.