Have been with VPI for 10 years and had small claims for the first 6 years. One of our dogs was stricken with cancer and VPI covered a little over 1/3 of the surgery and chemo (about $4000 of $10,000) which helped but I thought more would be covered. Various medical procedures have limits and good luck trying to figure out all their codes, etc. I want a plan where I submit an $800 vet bill and get reimbursed a good portion of it minus excuses for limits and refer to this code and that code about coverage, etc. Thanks to this website I'll be shopping for a possible new pet insurance company. VPI has taken care of us and I would possibly recommend them but I think there are other companies out there who will cover more at less cost and less complication.