I am not sure why these other reviews are so polar opposite to mine, but from my standpoint, VPI is a scam. I began insuring my dog at the age of 5 because I was concerned about her age and the onset of health issues. Right after I took the insurance, she started to get sick. I submitted claims in the amount of approximately $3000.00 and they reimbursed me $49.50. Avoid VPI!