We purchased the "surperior" plan for our 2 year old lab who passed away at 14 about 3 months ago. In her life she had her spleen removed, bloat, and twice fought cancer. When we filed claims with VPI they consistently were refused, or paid (for example) $500 on a $5000 claim. This insurance barely paid what we paid on a monthly basis, and was very expensive (we were paying $83 per month at one point). I understand they changed their plans, but they have competition now, don't they. They consistently found reasons to ask for more information and records which is a hassle. Fortunately we could afford the best for our dog regardless of this lousy sham of insurance...but not so for everyone, which is why is such a travesty.