Having to undergo cancer treatment is hard enough mentally and financially. VPI has HORRIBLE schedules for cancer payments. I submitted approximately $5760 in bills and was reimbursed $980 per their "schedule". Their schedule should better be known as their "non payment excuse". I would NEVER enroll another pet in VPI. Like any insurance company, a true measure of customer satisfaction doesn't start until you really need to use it. They failed miserably with my dog and me. I have subsequently enrolled my 2 other dogs in Healthy Paws Insurance due to their non-use of a schedule. Unfortunately, due to illnesses I've had to use them and have been extremely happy with Healthy Paws payments. Prompt, 90% reimbursement, no schedule to contend with. VPI lures you in with their false promises of payments and appealing routine care payments-instead they weasel their way out of payments with fine print and extremely low "schedule payments". I would strongly recommend staying away from them. Unfortunately, I learned the hard way.