I used VPI for over 20 years. The policies I chose were always top tier for all of my dogs. In the beginning their reimbursement was fair for the plans I used. However, during the past 13 years their amount of reimbursement does not coincide with the cost of current veterinarian care (my vet was reasonable). The co-payments have risen as well as the deductible I paid for the top-tier policies. When I recently informed them that both of my Papillons had been killed by coyotes, and needed to cancel their policies, the customer service rep did not acknowledge the painful incident or offer condolences. She simply stated she would cancel the policies. VPI didn't even send a card of sympathy after being a loyal customer for over 20 years! I will no longer recommend them or use their insurance again.