We have VPI for Speedy and Zoom Zoom. They don't cover general checkups. This is only for emergencies/accidents or sudden illnesses. I did ask them about checkups and they told me they don't cover checkups, unless it's part of an illness. We have this on Speedy and Zoom in case of an injury to them, because it would have covered a lot of Redrock's injury that cost us close to $300.