I work in the pet industry and I am extremely disappointed in what VPI reimburses. They just paid me $82 on a claim of $571. My dog had a back injury something he never had before. He couldn't walk and they called it preexisting. I know vets that have banned VPI from there practices because their clients have complained so much. I should have put the $600 I paid this year for this insurance aside and I would be way better off.