I have been a VPI customer for over 15 years and it has just gotten worse and worse and worse! My puppy lacerated her leg and had to have 2 surgeries, many medications....The bills totalled over $2,500. VPI sent me a reimbursement check for $300+! I immediately called and was told that the max claim per year for lacerations was $375. Really???? I cannot tell you how many of my claims are simply denied. VPI claims the condition is "not covered", "benefits already paid"....it's just one excuse after another. Thumbs down!