Have both basic and catastrophic policies; costs a bit more monthly but well worth it. Most of our claims have been reimbursed. Typically reimbursed at 60-100%, depending on claim type. Anything we get back is gravy, as having insurance doesn't change what we will/won't due for our Berner. She'll always get the best care, regardless of the cost. Last bill was $520; VPI paid $480. Works for me...have never had a concern.
Bernese Mountain Dog