That my 5 year old Golden would have a Mast Cell Tumor. I have had VIP pet insurance for aprox 7 years, I also have a 7 year old Golden. I had always been please with VIP, it paid pretty well on all the little things, but when my 5 year old had to have 2 surgeries and undergo treatment for Cancer (I had the extra Cancer policy), that's when I was soooo thankful I had the insurance, it paid very well, and they were very nice when I called. My Angel is doing well now, but has to be watched closely for any new lumps. I would absolutely recommend VIP insurance.