Overall I have been very happy with VPI. I no longer have a policy with them d/t loss of my pet but was recently on The Superior Plan for the last 7 years with the $50 deductible per incident. All my claims have been processed fast and there has been excellent communication. Reimbursement was received as outlined in the benefit scheduled. I have considered changing policies on multiple occasions that reimburse a percentage of the total visit, but have found that these plans are a lot more expensive. I am happy with the reimbursement I received for the cost of the policy. I am sad that they no longer have the Superior plan.