I have had insurance on my cat for 8 years, and never processed a claim. Now, she had to undergo emergency surgery resulting in a 5-day hospital stay. My bill about $5000. VPI's reimbursement....$90.00. Are you kidding!!! I tried to discuss with the reps...of course, they read off a scripted response. I will be using another insurance company for the rest of my animals. I will now have to file a formal dispute....beware!!