I have had insurance (wellness and major medical) for both of my cats for the last 4 years. I lost a cat in December of last year. She got very sick very fast and died during an exploratory surgery. VPI paid almost 100% of the costs I incurred during that tragic ordeal. Not only that, but they were so very sweet and caring every time I had questions or needed to sort something out. I will always make sure I carry VPI for all of my pets.