I have had VPI for 2 years. This is the 1st time I used it on my dog Aries. My son discovered a lump on her top left shoulder so we took her to the vet. It cost me 800.00. VPI paid 780.00. Can't go wrong with that and I had piece of mind. Only thing I did not like is it took about a month to get the money back and no real details as to where we were on getting the money back. They still use checks which is rather odd. Should be direct deposit. If she gets another lump you do have to wait 1 year.