I purchased VPI for my 5 month old puppy. After having him for 3 month he was attached by a Pit bull that tore his bottom lip and gum. This cost me about $1,500. I received all except $100 back because it was my first claim(GREAT). The only problem I have is with the paper work. It was a little complicated. Thank goodness for the angel's in my vets office they prepared everything for me and faxed it to VPI.