I've had VPI twice during the life of my now 13 year old dog. I was VERY upset with the constant "weaseling out" of paying dog bills I encountered with VPI. The last time, I paid $1800 out of pocket because VPI told me I had only had the policy for 11 months and they would only cover my dogs torn knee after 1 year. This is after I had had the policy during my dogs first three years of life. They fought me tooth and nail on any and all of the two or three claims I submitted and never paid more than a pittance after constantly asking for more documentation. SAVE YOUR MONEY.