I had originally signed up for VPI because I received a small discount from my employer and we had just adopted a new Black Lab. This was the best financial decision I have made in a long time. Dogs have been my siblings since I was small and without VPI, my best friend would no longer be with me. My Lab developed bone cancer and without insurance I would not have been able to afford the care she needed. Even though my out of pocket has been costly, it would have been too much to handle with out the coverage. For example, of the $1700 MRI bill VPI covered almost $1550 and got me my refund check before my credit card bill was due! I have received all of my refund checks well before the actual bill is due!!! Great service, great coverage, great staff, worth every penny!