I invested in this insurance 10 years ago when I acquired an English Mastiff. Knowing the propensity for joint issues and other health problems, I knew this was not going to be a cheap pet. It paid off the first time she blew out her ACL and she had to have knee surgery. Then again in 18 months when she blew out the other one. The annual vaccinations, fecals, HW preventive claims still save me money as well. Big dogs equal more costly meds if they are based on weight. I was so happy with my claims that when I rescued a lab mix I got VPI for him as well. First 4 months I had him he ate rat poison, got hit by a car, and bit by a snake. So I recommend this for all breeds, not just ones with certain health risks.