I had my cat insured with VPI since 2004. I had to put her to sleep in Feb. 2012 after her kidneys failed her. I had the standard level of care for her. After I submitted about $1,500.00 of expenses, I was reimbursed ONLY $250.00. They told me how sorry they were about my loss and they valued me as a customer. Well my fee for euthanasia and remains care was $234.00 and they reimbursed me $39.60. It seems like they valued the money I sent them each month and that my cat was worth less than $40.00. I WILL NEVER RECOMMEND THIS COMPANY!