We have VPI for our dogs. We spent a couple grand trying to save one of our dogs so we have it on two other dogs. I think it cost us around $350 a dog. I don’t remember exactly what type of coverage it is. It doesn’t cover any pre-existing injuries/illnesses and it doesn’t cover ACL injuries until you have had a policy for a year. Ours does not cover annual exams and shots. That was another option for like another $150.
We had to take one of our dogs in because it wouldn’t stop throwing up. The bill was something like $250 but after the insurance claim it cost us $50. So far it has cost us more for insurance then we have spent, but it is nice having the security there and it helps take the financial question out when it comes deciding to helping the dog/putting the dog down.