Two of the guys I have hunted with for years use VPI. I can say they have made out very well and it has paid off significantly. That said, I have never taken the "gamble.". I have been very blessed with dogs that haven't eaten things they shouldn't, attacked porcupines, or gotten into quarrels with each other. Wbut you never know when it could happen.
By saying it has helped significantly, I mean that VPI has paid out thousands over the course of the past year for their dogs medical expenses.