We would not recommend VPI pet insurance. Our lab had to have surgery on her elbows to remove a bone chip at 9mos old. VPI refused the claim for $2800 even though our vet wrote a letter of how critical it was for her to have it at 9 mos. VPI stated she had to have 12 mos coverage. If she was older it would have impaired her mobility so much more according to our vet. They refused any payment on the claim. Not a dime. They do not cover blood work, tests, spays, shots, heartworm or any other normal dog medical requirements. Coverage only if our dog gets cancer or a terminal illness....don't buy VPI. They are a rip-off!!!