When I had VPI, it seemed that very little was considered "allowable"! Then, they had a deductible for every condition, every year. That is $50 here and $50 there, so you never got anything back. Then they'd change the policy, to top that off. Their annual prices are astronomical! I am so glad that I made the decision to go with Pet's Best. It took me months to decide, but let me tell you.... don't wast your time and money. Just try Pet's Best.
I'm not sure how long it took to handle the claim. Max 1-2 wks, but it may have been 1 wk or less, which is what I'm putting!!