I have had VPI insurance for 3 dogs over the past 9 years. We still have 2 of the dogs. We rarely if ever used the insurance in the first few years, as we received immunizations from a mobile vet, as we live in a rural area. Over the past 2 years both of our dogs(Boston Terrier Rescues) have needed care. Our older BT Sundance had a corneal ulcer, common in this breed. The surgery and care was about $1000, we received reimbursement of about $750 which I was thrilled with plus we received it within 2 weeks. Josie the younger BT has allergy problems and is seen for this at least once or twice a year, plus needs a vet visit for her immunizations as she has to have a steroid ink or Benadryl ink prior to the shots. I originally obtained insurance for major problems. I didn't not want to have to make a decision on care for my dog kids based on what it would cost. I will forever get pet insurance, and will probably stay with VPI..no complaints. Of course reimbursement on U & C could be a bit higher, but that goes for human medical insurance as well.