We have gotten VPI insurance for each of our dogs. Over the course of almost 9 years they have covered heart issues, immunizations,spay and neuter, heart worm and flea treatments, and most recently lymphosarcoma. Our policies always included the 2x cancer rider and I am grateful for this advice, never thinking we would need it. They are always helpful if I need to call, and claims are promptly paid. These policies do not cover all of the costs and the consumer needs to understand what they are purchasing. For our family it is peace of mind that most things are covered.