Recently my puppy had to have emergency surgery (remove calcium stones in bladder) to save his life. I know that having pet insurance sounds silly to some people but I'm sure glad that I have VPI insurance for both my dogs. Pet care has become very expensive so having "expense relief" realy helps to lower the impact of big bills. Our pets need us to take care of them and they return our actions with their love and companionship. Claim filling with VPI is easy and their response is fast and fare. In these times it is a good idea to have pet insurance.