I purchased VPI for my dog ten years ago. She was about 7 and I wanted insurance for her. Six months after I purchased, I took her to the vet for a routine exam. They said she had Chrons Desease. The VPI would not pay. I submitted bills, the vet even sent a letter and they still would not pay. They even denied "him" in their letter, while my dog was a her. I think they just are a waste and this one is a bunch of crooks!