We have had this insurance for over 12 years, without any major claims until now. Premium is about $1800 annually for two dogs. This year we had two big claims, 1. bowel obstruction, 2. growth on splean. They use a very outdated UCR payment schedule. Basically, they only pay a portion of what these services cost 10 years ago. They paid only about 35% of the actual bill for these two major claims. After review, this VPI is not worth the premium. Spent more on this insurance than our regular vet bills. We will not be renewing.