I had VPI for my first dog, and didn't use it until she was diagnosed with chronic kidney failure. It certainly helped pay for a lot of the diagnostic testing that we went through. My new puppy is one hot mess! Signed her up pretty quickly and have already submitted a large claim (which I did get a large reimbursement for). Overall, as others have said, I think they are very good. You do need to read the fine pront, and understand the exclusions. Claim submission is easy, and the on-line availability to check things is great.