I have had VPI for 6 years for my golden retriever.She was 2 yrs old when I adopted her. I had to get her a full exam prior to enrollment to make sure there were no pre-existing medical problems. Over the years she has had multiple health issues and I have been so thankful to have VPI. The cost I have had in vet bills has exceeded what I pay per year for the insurance. So I highly recommend them.