In the last 1 1/2 years, my poor dog had gone through 2 knee surgeries and was then diagnosed with cancer. As with many others in the economy, I was barely working. If it wasn't for my vet's expertise and understanding and VPI, I would not have been able to afford everything my dog needed and she probably wouldn't be alive right now. Instead, she survived and is not in great health, hopefully to stay that way. I tell everyone I know that gets a new pet to get this insurance. It is totally worth it!