I have my 5 year old Chihuahua covered by the VPI Standard plan which I got in case he got sick or hurt. When I got the insurance I avoided the Superior plan since I figure anual vet bills and shots a normal part of dog ownership. I have used the coverage twice and have been satisfied with the result. For what I pay per month I got about 50 to 75 percent of my expenses back. The plan has paid for itself so that fact alone is why I'm keeping it. Also I know that if Frisco ever got into serious trouble I would be able to get all the vet care necessary to care for him, and get him well. That is worth the monthly premium. Whenever I call customer service with questions they are always friendly, helpful and genuinly concerned about my pup.