From all the review I am seeing as soon as your pet turns above of age 8, they stop reimbursing funds. I am a customer for last 4 years and now dog is 9 yr and they are not reimbursing as much they are supposed to and they do not want to upgrade the policy because your dog is old. They refused to upgrade only because my pet had cellulitis . Seriously, come on. I think it was my worst decision to join vpi.