I have 9 pets, 7 cats and 2 dogs. We were ripped off by VPI for years with their supposed benefit schedule. We were very disappointed and hoped for something better. We found that and more with www.gopetplan.com. They actually reimburse 100% with low deductibles!! We have made several claims and we were paid at this rate. Our latest one was on with one of our dogs whom had bladder stones. We were reimbursed the $1300, minus the $100 deductible! Exactly as they promised : ) We love this company because they don't have the rules and schedules of VPI, where they determine how much they THINK the vet should be charging, and therefore pay a little amount. PetPlan pays up to your amount for the year, regardless of the vet's charges. Our dog whom had the stone surgery has a limit of $8,000 for the year. I pray he doesn't need anymore vet attention until his next annual exam, but feel at peace knowing that he has REAL COVERAGE. In fact, this seems better than my own healthcare plan. YOU NEED THIS COMPANY IF YOU HAVE PETS!!!!!!