This is the first time I have ever had pet insurance and I'm glad I do. We adopted Jack a pointer/lab mix from the Humane Society almost 2 years ago. He was 9 months old,very active and liked to eat everything. A friend had recommended VPI and I decided to do it just in case Jack got into trouble. Well it has paid for itself time and time again. I do agree my Vet charges a lot more then they reimburse but I have a basic plan that is just for emergencies and as I said it has paid for itself. I highly recommend it to my friends.