We have had VPI since we first got our kittens. One of them had a very high fever, with vomiting and she was very lethargic. She was hospitalized for a night, so the bill was $483. VPI covered $383. The other kitten was also sick but didn't require hospitalization. Her claim was $178.78, of which $78.78 was covered. They each have a $100 deductible.