I had been a VPI customer for 15 years. My cat passed away in Feb. after her kidney's failed her. I submitted about $1,300.00 worth of claims and they reimbursed me about $250.00. THIS IS A SCAM!!!!! BEWARE!!!!!! When you need them the most, they drop you like a hot potato. Guess they figure they got 15 years of my money and now that my pet is gone they don't value me. Not to mention their euthanasia reimbursement was $47.00. This is what they valued my pet's life at. Where in NJ can you euthanize a pet for $47.00? Put your money in a savings account rather than fattening thier pockets!