[jlaack]

I also would NOT use VPI, which is the only insurance I have had. My dog was covered for a long time, then we added a second dog. Our eldest dog also had the cancer endorsement which costs an extra premium. Since I knew how prone the breed was, I decided it was necessary. So after years of paying a monthly premium, when I finally needed the insurance, they would not pay. Yes, they covered miscellaneous things through the years but the benefits provided cost less than the premiums. But ultimately I cancelled my policy when my dog was dx with Osteosarcoma and they said they would not cover the cost of the limp spare procedure (or any portion) because it was 'experimental'. So I asked about the chemotherapy. They would only cover the chemo tx after surgery if we amputated. They would not cover the chemo with the limb spare. The entire fiasco was absurd and I am still am upset that I thought they would help with vet bills when in the end they didn't. I belive the cancer rider would have paid out a maximum of $13,000 in vet bills. For my dog they paid $0.

Ultimately their goal is to make money, they are not a non-profit agency. Personally, I have switched to an interest accruing account that I regularly allocate funds to in case of a future vet emergency. It makes a lot more sense financially to do so.