We have two Boxers, one is 27 months old, the other 14 months. They have been insured with VPI since we brought them home at 8 weeks old. VPI is up front about what they do and do not cover. As long as you, the consumer, do your leg work there should not be any problems. Just recently our younger Boxer was hospitalized with what turned out to be a urinary tract infection. The vet charged over $1400.00. VPI reimbursed approx. 2/3 of that cost. I'm happy with VPI and have recommended them to friends that also have pets.