I had the unfortunate experience of having my three year old Yorkie have inoperable brain cancer. After spending thousands of dollars, getting second opinions, etc. he finally succumbed to the cancer. We went right out and got another Yorkie. This time we decided on canine insurance. VPI has been great so far, covered his shots, and his neutering and microchip in a reasonable time. So, so far so good. Would recommend to anyone. Vet bills are so high, and everything seems to be working out just fine with VPI.