I've had VPI insurance for less than a year on my two cats. I read through the offerings before I purchased it and hoped I'd made the right choice. I bought the Feline Select Plan with a CareGuard core rider. In October I took them for their routine physicals and VPI covered part of that expense as I expected it to. One of the cats had a bad tooth and the vet recommended that I have it removed. We scheduled the surgery and much to my surprise, VPI covered it 100%. Later this year my other cat had a painful, infected "hot spot" that needed treatment and when I got the reimbursement for that I discovered it was covered 100% too. I have owned cats for years and know how expensive it is to have their illnesses treated. It gives me peace of mind to know that I can get them veterinary care when they need it without worrying about the cost.