I have had VPI for 2 years and have had to use it for my dog's broken toe, bee stings, ear infection, dog bite, and well care. I have been very happy with my reimbursements. I wish they did more on well care but I believe what I have gotten back on the issues's my dog has had has been very fair. I like that I only have to pay one $50 deductible per incident. When I made 3 trips to the vet for the dog bite, I only had to pay the $50 deductible once. I will continue to renew as my dog seems to find trouble.