I have had VPI since I adopted an 8 year old cat from the humane society in August of 2012. First, they said that her periodontis (bath teeth and gums) was a pre-existing condition however it was determined that once the periodontis was treated I could reapply for coverage of her dental care. I thought this was very fair. Second, I filed a claim when Harlequin developed a UTI. I got 90% of my bill back. I was impressed with the speed of the reimbursement as well - withing 30 days. It is very easy to file a claim and most of the time my Vet does it for me. They are very clear and upfront about what your policy will not cover so there are no surprises.