We have had VPI for about 10 months and have two large dogs. We got insurance because of a bad experience with a dog we lost last year that cost of thousands of dollars and insurance would have been great. We got the insurance at 8 weeks old with both dogs and our first pup ate a ball at 5 months old and had to have surgery. That saved us $1500.00. I am a true believer in pet insurance and will never go without it again. They paid quickly and did not argue about any of it. Our mastiffs are part goat and seem to be in the vets office ALOT and VPI has been very helpful and has saved us money at every turn. I recommend them all the time.