I have one cat and two dogs covered with VPI. My cat Spencer was the first. It just happened that less than a month after his policy went into effect, he developed Feline Lower Urinary Tract Disease. He became blocked, had to go to the emergency vet, then had a bad reaction to the antibiotics, landing him at the regular vet for a couple of days. I belive I spent $600 on him and got back more than $400. (It was seven years ago, so don't quote me.) Since then, none of my animals have had anything that drastic, but I have been very relieved knowing that VPI will help if anyone is hit by a car, for example. I consider VPI coverage for catastrophe. When my dog gets giardia and has diarrhea, they don't cover much. But that's not what they're for, in my opinion.