We've had VPI covereage on our two dogs for about 12 years. Although they've paid part of a few vet bills, it seems that the $56 a month PLUS a $50 deductible per incident is not worth the expense on our older dogs. If we'd invested that money or saved it in an interest bearig account we'd have quite a bit of money (nearly $9000?) in the bank to cover vet bills. The few times we've submitted claims we've gotten very little reimbursement. Our last claim was for an eye infection our Beagle had. The claim was for $176, the amount of reimursement was $39. Do the math. We will keep the coverage on our new puppy, at least for now.