We all feel the same way about insurance; we're not always happy to pay it but we're happier when we get to use it because of an unseen need. My dog got hit by a car that dislocated her back leg. We had to take her to an emergency vet because it was in the middle of the night. Then we scheduled a surgery with my regular Vet. I called about 3 times to make sure the insurance would pay it; I must admit I was frustrated with what seemed like a disconnect or breakdown in communication. They couldn't seem to figure out if I would get reimbursed for that specific procedure. But after all they said that yes, it would be taken care of. And they sure did! I was reimbursed 99.99% of ALL my expenses related to the accident. I was very very happy to say the least. I would recommend VPI insurance to anyone that has pets.