I don't have the maintenance plan, but I do have one of their older plans, Superior Plan, with a cancer rider. I've submitted several claims for teeth pulling, abscess removal, ear treatment, etc. and have been reimbursed accordingly. I don't have any complaints. The rise in premiums over the years has been quite noticeable, but expected. Starting around age 4-5 it was around $360/yr. Now, at age 13, it's almost $800/yr. But at this age, I don't want to stop insurance. I might shop around, but the age for accepting new clients on most insurers is around the age of my dog. I have recommended VPI to many friends, families, and potential adopters at the animal shelter I volunteer at. They used to be one of the very few when I started my dog, now there are too many to count (insurers).