I recently lost Kylie in October at age 14 who need vet care EVERY month. I lost Buddy 4 years ago to cancer. I drove back and forth from CT to Tuft's in MA for his treatment. I spent my life savings on him and swore if I adopted another I would insure him. I adopted Toby in March of this year who is 6 months now. Although you think puppies won't cost you much in vet bills, that is not true. Toby has had a couple of spells with diarrhea and then of course routine vaccinations. I did a lot of research and found VIP to be very reputable and reasonable in cost. I contacted you prior to enrolling and what sold me was your customer service dept. They were very helpful, honest and patient. I am very grateful that Toby is insured through VIP. Thank You!