Makes Economic Sense-I purchased my policy at the same time I acquired a 12 week old puppy. This is turning out to be a great way to spread expenses out over time. I've had two emergency visits. One was to a high priced weekend emergency veterinary care facility. Turned out to be nothing serious but I had huge X-ray bills. My insurance helped majorly with these expenses. I find the claim forms very user friendly and I get reimbursement within 3 weeks. I cannot speak too highly of VPI. I would not give up this insurance. I find I am more likely to take better care of my cherished animal friend knowing that I will have help with the medical expenses. I plan on adding a second puppy soon. Definitely -- VPI insurance will be taken out on her as well.