My seven year yorkie has been very healthy since I got her. For the most part I have only had to submit claims for her annual check-ups. Some individuals laugh when I tell them I have medical coverage for her. Unfortunately, she recently had a malignant tumor removed from her neck. Her prognosis is very good and we are just keeping an eye on her for now with routine check-ups by her Vet. Knowing if this awful disease does come back VPI will cover some of the expenses. It gives me peace of mind that she is covered by VPI.