I got the insurance because my friend had a bear attack her dog, and she told me how much it cost. I spoke with the agent, who explained how things worked, and received the policy, read it and put away. Low and below, We were having our house painted, and our 2yr. old very curious and eager goldendoodle came out to explore, and got caught up in some fencing I had around a flower bed. At first I didn't think he was really hurt, but when I looked at him closely, I found a huge gouge in belly, and we immediately took him to er, where he had over 20 staples and drains put in. He was really a trooper and is now really doing well, and I submitted the claims to VPI and they paid right away. Am very happy that I have the insurance, and recommend it to others. You just never know what you dog is going to get into.