I would say that if you purchased VPI for your pet while it was still a baby then it is worth it. If you purchase it when your pet is an adult, VPI is not really that great. I agree with what another writer said about this insurance which is that "VPI is a for-profit company and their goal is to collect as much money as possible from consumers and give as little money as possible back when a claim is submitted." I am currently rethinking about renewing the policies for my 3 pets.