I have VPI on Camper. IMO, it's rather awful. They found some bizarre exclusions to deny coverage for the small claim I presented. I mean, really bizarre. (They denied antibiotics under the "parasites" exclusion. Since when are bacteria parasites?)
So, I'm not thrilled with them, and would not recommend them.
My vet mentioned Trupanion for my puppy (you have to sign up before their first birthday), says that they pay claims at a higher rate, faster and with none of the breed-specific exclusions that the other insurers have. I've looked at the policy and I'm pretty impressed.
http://www.Trupanion.com Your pups look a little old for it, but for anyone else with a young puppy, it's worth considering. And, there's an extra where if you get a veterinary exam voucher from your vet (in other words, your vet examines your dog and says the dog is in good shape), the 30-day waiting period is waived and there's a 6% reduction in premium.
Overall, mostly, I'm a fan of stick the money (a lot of money) into a CD and save it for a rainy day. And pray the rainy day never comes. (Although, with my kids, it comes. And it's a torrential downpour!
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