I have paid VPI insurance since 2010. When my mom passed I moved back to Colorado I called all of my accounts and changed my address and told them the account that I paid them with had been canceled. They continued to try to get money from a closed account. Every month they did this I was charged $35.00 from my bank. I called and canceled VPI insurance. they sent me a letter stating I would receive a refund $101.00 and it would be sent to the same account that I closed. I called and they said that I owed 49.00 so my refund is now $47.55. They never paid a claim that I didn't have to call and complain. I would never recommend VPI insurance they only make mistakes in their favor and refuse to make them right. They are the worse company I have ever been dealing with. Cust. Service rep Toya refused to budge in making it right.