I have had VPI for my 3 cats for 8 years now. Took it out when they were kittens because my last cat was very ill, and it cost us thousands of dollars before he passed away. I immediately took out pet insurance after I adopted these cats. VPI has saved me thousands of dollars. We always hope our pets will remaine healthy, but 4 years ago, one of my cats got critically ill. He was hospitalized in ICU and they didn't know what was wrong with him. We have an excellent emergency hospital staffed with specialists, and they diagnosed him with a very rare blood disease. Now he has to see his doctor every 4 weeks for blood work and treatments. This is ongoing treatment, so needless to say, VPI has saved me a lot money. It is very easy to file a claim and I receive payment in just a few weeks. My cat is receiving the very best care, and the pet insurance is invaluable to me for all of the money it is saving me. I highly recommend taking out VPI as soon as someone gets a pet. It pays for itself many times over.