I submitted one claim for $609.37 for an emergency in March. I received $189.81. The next claim was $816.00 also an emergency in June and I received $51.76. With both emergency visits I paid $1183.80 while VPI paid $241.57. I have had my cat insured for about 9 years. I am not pleased that more was not covered. I thought that this was what I had insurance for especially emergencies.