I have had VPI for several years for my 2 Boxers and 1 cat. I have been very happy with their service. It's nice to get much of the cost of vet visits returned to me. It's worth the cost of coverage. My last claim was for Max who had a dental cleaning and had to have excess gum tissue removed, the vet charge turned out to be over twice the amount they estimated so I was very happy to be able to have much of it covered. I have recommended them to many pet owners. The only improvement I think they could make is on the consistency of quick reimbursement. Most times I do get a check from them within 2 weeks but, sometimes it takes several weeks to get the reimbursement.