I have 3 pets covered by VPI...my 2 labs, and my folks Papillion. My 2 year old lab had alot of issues the first year, and I actually got back more than I paid in. Now that I have him settled in and on a good diet, things have calmed down. My 8 year lab has had little issues...which is great. I would much rather pay the premium and never need....but know that it is there, when I do need it. VPI was recommended to me and I frequently recommend to others!