I have a 2 year old Golden Retriever who has had VIP since he was 1 and I have not used it until recently for his annual shots. He received his shots,he was microchiped, blood test, and we got heart-worm meds. This all totaled about 171 and i received 121 back. I was very happy with this. The only thing I have an issue with is that they only allow 50 a year for heart meds and for a 6 month packet its 50 so you can't claim for the other 6 months. I really think they need to increase the Careguard coverage to cover for a year. Overall, I believe I will continue with VIP.