VPI is a good insurance program for my pet and they are prompt on payments. I do find fault in the administration of the policy. It appears that all procedures have a payment schedule and basically you never get the full reimbursement for what you spend at the vet. That's ok and would be expected. What have found with that there is a deductable on top of the payment schedule, that is double dipping. Just another way of skimming from the bill. Not that I expect to break even on vet care and the premium, but would expect a fairer cost and prepayment structure.