I have 3 dogs (12, 9, and 7 yrs) and they are all covered with VPI Major Medical. While there are some limitations that seem to be frustrating, I get about 40-50% of my covered expenses back. I really like the email submit claims - I can send a claim in on the same day and usually get my payment before the credit card bill gets there. Had pretty decent dealings with customer service. But you do have to do your homework and understand what the policy will and will not cover. Some things that you would expect to be covered are not and they can be expensive. But it's still better than self-insurance. Love the new Major Medical with the annual deductible so much better than the per instance charges.