The biggie is they will not raise your premium as your dog gets older as VPI did to us and all the others I called said they would. Yup, glad I started this thread, I was going to just use our funds, which would have been OK, but in this case insurance is a better investment. VPI paid, but no where near the actual costs, usually about 40%, but we started at almost the same rate as HP's about 15 years ago and it was almost $60 when we canceled when Sig was 13. |