VPI is just like insurance you would have on your family. You might not always use it, but it makes you feel better that if a major expense happened they would help defray the cost. My Lab-mix developed a knee problem in her 2nd year. VPI help cover surgery costs for her. Do I wish VPI covered more? Yes. Am I grateful for what they do cover? Yes. I would like to see the ability to go on-line, fill out the expense form, and attach PDF copies of the vet bill & paperwork. With companies going paperless it would be great to see VPI heading for "greener" operations.