I've had VPI for several years and have always broken even or better on the money I've spent on premiums. They are prompt in reimbursement and a good least part of any procedure I've had to take my dogs in for was covered. When my 9 year old female American Bulldog suddenly fell ill and passed away, I never second guessed whether I'd authorize the recommended treatment. In the end, VPI also helped assist with her cremation costs. It's a good peace of mind policy for me, I have never been without health insurance and I hope my dogs aren't either.