VPI clearly lays out what they will and won't reimburse. for the monthly fees, this is a bargain. while it won't pay for itself with a basically healthy animal - i.e. your basic plan will probably be a net loss to you if your animal only goes for annual checkups, vaccines, and the occasional mild infection or acute injury - major coverage is quite affordable and gives good peace of mind. reimbursement is always easy and prompt. customer service is professional and convenient.