I have had 3 dogs with VPI. One is 10 years old. I have had 3 cruciates done. Filing claims was easy and I got back what I expected. I will be changing the younger dogs because of the reimbursement fee schedule. What they estimate costs of proceedures should be is no where near realistic. I will be paying a little more but will be going with PetPlan to get 80% of ACTUAL cost. The only other true complaint I have is their determination of pre-existing conditions is very hard to deal with. I tried getting a claim processed and the paperwork was unbelievable and cumbersome for myself and the vet.