VPI is a wonderful company. Their plans are affordable, the claim process and reimbursement is well above expectations. I would recommend them for anyone with a pet. The reimbursement has been over %80. I recommend the careguard plan. Our biggest claim was when we took our 1 year old lab in for neutering. He had 4 damaged back teeth that needed to be removed. The cost for his visit was over $1500, we were reimbursed over $1200. A few weeks later we had to take him in for another issue, $300 claim they reimbursed us almost the entire amount. If you love your pet, this is definitely worth every penny!