I have a nine year old boxer, and have had a policy since she was 6 months old. VPI has covered many expenses incuding a TPLO at age 5. The surgery was $2700 and VPI covered about $1600. This was the most expensive of my claims,but have had many more and always reimbursed 50% to 75% of my costs. Reimbursement has been prompt. I do encourage the additional cancer coverage, and also read the exclusions for certain breeds. My Boxer developed cardiac arrythmias and I found this was not covered for Boxers.