I have had VPI for almost 13 years. I have had excellent service so far. The only change I would like to see is the one they asked about in the survey…pay the vet up front. It would help. My only small complaint would be a distinct falling off of customer service quality since "joining" Progressive. I hope this is not indicative of future management. When the company first began all the customer service reps were superb, they took real time to help you understand everything about your policy and care options. Now it seems like some of them can't wait to get you off the phone. That needs to be looked at.