I love VPI!! I have had it for my boxer since he was 11 months (I tried another company before this that was no where compareable to VPI) and my toy poodle since she was 8 weeks. I have had a few ER's with my boxer with spending $1600 over a 4 month period, having VPI made it a little more realistic and easier to foot the bill knowing I had almost half to get back from INS. The spay for my toy poodle was covered including bloodwork before hand about 60%... I also have a cancer rider for my boxer and vision rider for my toy poodle. Start young so you don't have any restrictions and it can grow and change with your pets...