I have had VPI for about 5 yrs now. I am a veterinary tech. and still feel it is worth having the coverage. On trip to the specialist can covers years worth of premiums even if you do not use the insurance every year (which I have had to do). I ahve always been satisfied with my reimbursement and the time it took to receive. For those thinking about it, it is well worth it as it always seems in my profession the pets get sick at the most finacially trying times and it is never easy watching someone have to put a beloved pet to sleep because of a finacial hardship.