I had VPI Pet Insurance for my 9 1/2 yrs old Lab that just died of Osteosarcoma last year and I was thankful I had gotten it when he was 6 yrs old because he always gotten into food he wasn't supposed to. Anyways last year when he was really sick and I was so devastated trying everything to safe the love of my life I was thankful I had VPI pet insurance. In the end he still lost his fight against Osteosarcoma and Hermangiosarcoma in August but out of the $ 11,000 in VET BILLS trying frantically to give him the best I could I did receive about $6000 back from the Insurance company. So to me it was a good choice. I am debating to get it again for my new dog I just adopted whos a Border Collie Mix that's why im here to find out more about this breed