We have a golden which we've had since being 11 weeks old. We have never had insurance coverage for our previous dogs but decided for some reason to cover Duke. This policy has been a lifesaver! He tore his anterior cruciate ligament 2 1/2 years ago and had major surgery. VPI reimbursed us over $4500 out of a $6,000 cost. Then 1 1/2 years ago the vet thought he may have a brain tumor so we had to take him 4 hours south for an MRI. Again, the cost was about $2,000 and we were reimbursed about 70%. Like other owners, our dog has major allergies and at times, I have wished that the coverage for allergies was better. I think we get maybe $150 per year which doesn't even cover one allergy vaccine purchase,(each lasts about 2 months). That being said, I don't see how anyone could really complain about reimbursement. The premium which I have paid over the past 7 years has been well more than reimnbursed - I may have paid out about $500 per year but for one surgical procedure we received well over $3500 back. In my mind we are ahead of the game and it has provided great peace of mind for us. We love our dog and while we will do our best always to provide good health care for him - after all he's a family member, would we do any less for a "human" family member - things would have been difficult if we had to pay the entire amount for two major procedures. By the way, we did look at other coverage options and this was as good as any we could find.