Depending on your relationship with your pet and expectations for a long life, VPI is well worth the premiums if you can afford it. Some can't. Some don't care. When I added up all the fees for my former 14 yr old dog it was astounding. I wish this was available 21 yrs ago. My "new" 7 yr old dog is receiving good care, based on my budget I feel VPI is worth helping him in his future years - many, many more I hope! Please realize this is INSURANCE with deductibles, pre-existing conditions, etc.