I have mostly been satisfied with my VPI insurance. I have two cats insured through them and have saved a lot of money through the VPI reimbursements. Most recently, my 9-year-old cat crashed a little, probably as a result of her hyperthyroidism. I made the right decision to take her to an emergency vet hospital, which was naturally pretty expensive. VPI handled these claims (totaled around $1,500) just as they should. I was able to get about 80% of the cost reimbursed for most of the treatment. My major complaint about VPI is their treatment of "pre-existing conditions." I don't know how other pet insurance companies do this, but VPI seemed extremely conservative in what they were going to cover after we came to VPI (when the 9-year-old was 2, I think). Because they saw she had had diarrhea, they immediately excluded any and all diagnoses that may be related to digestive problems. As someone else pointed out, this is of course a financial strategy (as it is for human health insurance). It's just a little lousy.