We have a 5 y/o Yorkie after a bee sting at 8 Mos of age and $ 1000 charge and overnight stay our Vet suggested VPI so we took out a policy. Our Yorkie has been treated a few times with gastritis and the bills are quite high. We have been very pleased with not only the coverage but the customer service people are wonderful, friendly and caring. Our little girl started having seizures and is on medication. I am grateful we have VPI. There are different policies so read which has a higher reimbursement, you may pay a little more for the premium but it is worth it. Talk with the customer service dept they will go over the policies with you.