I had VPI since my dog was a puppy. I diligently paid (and upgraded to the Superior Plan with the Cancer Rider). I wanted tio be sure that when (or if) the time came I would be covered. Sure enough the dog ages and started having issues with arthritis and hip displacia. The insurance company didnt cover most of my services. After spending over $3000 for treatment they re-imbursed about $50. I balked and called the customer service people (whom, I must say, were very nice). They told me to send in the documentation and they would re-look at the claim. I did. They generously re-issued a new check for a grand total of $.57 (Yes, 57 CENTS!). Insulting. The reason I am on this site now is I'm looking for another insurance company for my two dogs.