I had VPI insurance on both of my dogs. When my nine year old suffered anaphylactic shock after his routine vacinations, I thought I could relax because I had the insurance. Very little if any of the emergency was covered. VPI's coverage is very poor. I cancelled the policy on both of my dogs, as it was ridiculous. If you are considering VPI, read their paperwork very carefully and review their coverage schedules. They are truly in the stone age.