We have a 2 year old yellow lab. We started with a different insurance, then we quickly switched when we found VPI. VPI covers MUCH more than other companies! We've filed numerous claims with VPI (I submit EVERY bill from the vet), and each time, we get reimbursed for something. They cover everything they say they'll cover - it's pretty straightforward. I've recommended VPI to all of our family and friends with pets. They've never let us down!