My dog had chewed and ingested his rope toy and it was causing digestive tract blockage. The cost of the emergency vet visit and operation exceeded $4000. I was very surprise to see the amount of the reimbursement. I was expecting only half or maybe less, but they exceeded my expectations. I have found that as long as the itemized receipt, charge receipt, and the claim form is filled in correctly and sent in together, VPI will do their best to reimburse you a percentage of what you've spent. As this is the first pet insurance company I have signed up with, I think it's pretty good. Although, and insurance company that helps you pay the vet bill first and charge you a percentage later would be best.