I have had VPI coverage for 8 years on my current dog ( a maltese with many health issues) and my former doberman for 9 years (needed cancer surgery) and my former German shepard ( very healthy hardly needed any medical care) I have found VPI to be quite efficient and both easy and pleasant to deal with. All of my claims (and they have been numerous) were handled quickly and easily. Yes, you do not get full reimbursement...they pay according to a schedule, but so does my Medicare and most human insurance companies. You can increase the amount you get back, by adding certain riders. I would highly recomend them to anyone seeking pet insurance. They are the oldest and most experienced pet insurance provider.