VPI pet insurance is unfortunately a joke... I have a boxer who seems to have some bad luck and fortunately, or so we thought, we had pet insurance to help cover any emergency expenses. I have made a total of 3 claims, 1 of which was for a general visit which included heart worm medication and basic testing (received about $55 out a total of about $205) and the other were for a emergency foreign body removal (total was around $2200 and I think I received about $375 back) after he swallowed something and needed it surgically removed. the 2nd major event was just this year for mast cell tumor removal surgery. Common with boxers and 8 little lumps total all superficial. The total for that was $2987 Under category A (Primary testing and surgery) it covered only $350! Under category B (Testing) $654 was billed and only $168 was covered. Finally under C General anesthesia $677 was billed and only $105 was covered. I even spoke with a representative before agreeing to the surgery and she told me a whole different story and I was expecting about $1200 back. So basically this final surgery I was paying out of pocket $4,318 and VPI only covered $560 or just under 13%... $383 per year for 5 years ($1915 paid to VPI total) means this was a total waste of money and as much as I want to love having medical coverage having it through VPI simply doesn't make sense.