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					Originally Posted by Brittie123  I had VPI insurance this year.  I got about half of my money back, ended up losing about $150.  Luckily I didnt have any major emergencies though. | 
 
  VPI quoted me $38 a month for Maggie.  She is 4 months old.  I figured it this way.  The breeder guarantees her dogs for 2 years against health defects. If I put away $38 a month for two years, that would be $912; add in deductables and that would be over $1000.  Insurance companies are not in business to lose money--and neither am I.  Insurance is a gamble, so I will knock on wood, and take my chances.