Having to say goodbye to a pet is a difficult thing to do. For me, VPI is there to help when my wallet might be saying one thing but my heart won't go along with it. Knowing I have their backing to help offset costs makes decisions to have surgery, an extra test, etc. easier. Have used them for various tests, surgeries, procedures, etc. Only one time was I disappointed when I had an expensive surgery that wasn't covered because of what was deemed a genetic defect, but they did cover other portions of the surgery (meds, etc.) so it still helped. Their claim process is quick and painless, and their benefit schedule is available online so you never have to question what the payout will be. I've had VPI for 6-7 years if I remember right and have recommended to friends based on VPI's service to me as well as the amount of time they've been around.