I had VPI for the cats, and at first it was reasonable, but I never needed it I added Sugar when I got her, still not too bad, but it didn't cover any of her allergy testing. When I went to add Fletcher, I really looked at what it was costing, now that I had three senior cats and one senior dog, and decided I would be better off going the savings account route, especially since they wouldn't cover Fletcher's IBD (pre-existing). MY mother recently asked if it would have covered Ethel's evet bills. Maybe it would have, but I still think the account is better for me. Plus, I have a credit card