I find they pay a very high percentage of the bills. Would like it better if they paid something on vet required food just for the short term, to get the dog over the current issue. Doesn't have to be forever. VPI pays pretty quickly - I've received checks in a week and the latest was 2 weeks. Would REALLY like it if they offered direct deposit to cut down that time. AND, would like it if they didn't require payment of the service first, then reimbursement but I knew reimbursement was the case when I signed up. All in all, happy with VPI.