Pena is my third dog, second greyhound. My first dog was a mixed breed, lived to age 13. My second dog was adopted when she was 1 year old. At age 5, she required surgery at a University Vet hospital at a cost of $3,000.(no Insurance). Before I adopted Pena I got on line and checked out VPI. I was happy with the choice of plans, the monthly payments and deductible. I choice the Standard Plan with Careguard Core coverage. On August 24th, she required treatment for hemorrhagic gastroenteritis. I received payment of the claim. on September 3rd. It's is almost time to renew coverage and I will be renewing!