Insurance is meant to cover the unanticipated emergencies. I have had VPI for three of my five Saints...and should have had it for four of my five (wasn't available when I had my first Saint back in the early 70's. It brings so much "peace of mind" when something happens. You don't have to even think, "can I afford to do this"...you know you can. Wouldn't be without it if I have a pet.