Insurance is always a gamble. Pet health insurance, much like human health insurance, is a bet that your pet’s covered medical expenses over its lifetime will add up to more than the premiums you pay. Following that logic, Howard got a health insurance plan through VPI for his late pet Chihuahua, Tonka. He paid his bills faithfully and filed only a few small claims over the years, until his pet suffered from heart problems in his last six months. This is the very situation that pet owners buy insurance for. How did things work out financially?