I purchased VPI for my labrador retriever when she was less than 1 year old. A friend of mine had recently gone through all of his savings trying to "save" his bull terrier from cancer. I knew that I would do the exact same thing if the situation ever arose with my girl. We recently had a scare with a spot on her belly that would have turned bad had we not removed it right away. VPI assured me that the procedure would be covered and they paid me promptly. They also reimburse me for her thyroid medication as well as monthly heartworm preventative and flea / tick control.