I have had VPI on my dog C.J. for 10 years. I enrolled him as a puppy, which I recommend. I have really put the insurance to good use. Without VPI, I wouldn't have been able to give him the best medical care. I agree with some of the other insured about updating the fee schedule more often to keep up with the pace of increasing vet care. We have had our share of health problems & the occasional injury resulting in trips to the vet. VPI has always paid claims in a timely matter & very helpful on the phone. With C.J. the amount of the premiums & well care core coverage have paid for themselves many times over. I recommend pet insurance for anyone who is invested in and committed to caring for your pet throughout their life time.