I've had several animals covered by different plans and VPI has been the most difficult to work with. When my dog had serious heart conditions, their max payout wouldn't even cover 1 specialist visit! Now I have a cat with hyperthyroidism and I am in my 3rd appeal as they are refusing to pay for bloodworm which is needed often to regulate the medications. I pay $648 annually which is crazy high. I have PetPlan on other animals and they are awesome. Avoid VPI.