My Dog Baxter has been a VPI member for six years. I never thought this insurance would come in handy as much as it did last year when my Baxter was attacked by 2 American Bull dogs..Baxter is a 15 pound Cairn Terrier, He had a total of two bites to the hind quarter that required surgery.. I only had to come up with a co pay because I had the VPI insurance.. later I was billed. I can't begin to tell u how that one less worry as I was not sure how things would work out.. I must say Baxter is fine and my wallet is too because the insurance save me alot of $$. So please if u have a friend who just got a pet let them know about the great coverage and peace of mind that VPI can provide!