When I adopted my cat, she started ingesting foreign objects and getting sick a lot. I had 300$ vet visits each time I went for X-rays, shots and evaluation with the Dr. Finally, after the 4th time I'd had a enough and knew I needed some pet insurance. I found VPI through my vet office. Best decision I ever made. I have the Major Medical plan and each time I need to take my cat in, I just pay for the services up front and then a few weeks later I get a reimbursement check for what is covered. which is almost everything that was provided by the vet. Each year my costs are covered and claims are easy to send in and I have NO issues with the company denying claims or giving me issues of what services were provided. I will NEVER go with anyone else for my pet insurance because these are the best people around that take care of your wallet and your pet.