Folks should pay close attention to what the company will pay per incident and compare that amount to monthly premiums. This isn't much of an issue when your pet is young and healthy. However, when your pet is older and premiums rise you will likely find that the amount you pay in premiums is much greater than the amount the company is willing to reimburse. For example, my dog is almost 13 years old and was recently diagnosed with congestive heart failure because of a heart murmur. My insurance is currently $95 per month and VPI is only willing to pay $294 total for this type of illness.