If you use the "search" button and type in "VPI" you will get lots of hits on pet insurance. This is just one example
http://www.yorkietalk.com/forums/sho...&highlight=vpi
I bought the standard plan at VPI. I did the math and determined my vet gave me better rates on vaccines and spay/neuter than what I would pay to obtain the same from VPI. I guess its a lot like people insurance, you take a gamble, pay for it in case you need it and hope that you don't.