I have had VPI insurance for our cat since it was offered to us through my husband's employer. The first year, we had major medical and coverage for well visits and immunizations. Our cat has asthma and digestive problems. We have had testing done, and she uses an inhaler and takes medication. We have a very good level of coverage and virtually everything has been reimbursed. All we pay is the premium. After the first year however, we dropped the well visits/immunizations coverage as that was not cost effective. Customer service has been excellent. Reimbursements could be a little quicker, but I'm not complaining. :-) I highly recommend pet insurance, if you care about your pet.