My friends laugh at me when I tell them I have "Doggie HMO". Both my dachshunds are enrolled with VPI and have been since Artie was 9 weeks and Ginger was 2 yrs.( she's a little rescue girl) VPI has been there thru it all.. Artie had emergency surgery 2 yrs ago and VPI responded fully.All I did was turn in the bills I HIGHLY reccomend their services. One never knows when an accident or other problem can occur. Not many have $500-$1000 to put down for emergent care. Maybe one of these days vets will bill for their services just like people HMO.. VPI allows pet parents the comfort in knowing their babies will be cared for.