We never had pet insurance before with our other dogs until we got Baylee. Our other lab had cnacer and the surgeries were very expensive but in the end nothing could save her. When my daughter gave us Baylee as a surprise I knew then that little rascal was going to have pet insurance on her. Bay is the light of my life I will be 80 soon and wouldn't know what to do without her. If I didn't have pet insurance there is no way I could afford to keep her on the income I have now since loosing my husband. I would advise anyone with today's economy to get VPI pet insurance and have peace of mind that they are there to help you and your animal in the time of need. I thank you VPI for making it possible to live my life with Bay and know she is going to be taken care of with you behind us. I have recommended you to many of my firends who also have isnurance on their animals and the too are satisfied. If I knew I would live to be 100 and by chance get another dog I would always have VPI insurance they are number one in my book.