I signed up with VPI with little investigating into other companies. One night I had to rush my cat to the emergency vet after he quit eating, drinking, and moving. I took him in and he ended up spending a week in the hospital. He had numerous blood tests, ultrasounds on his belly, and even a biopsy. He was diagnosed with cronic pancreatitis and inflammatory bowel disease. I didn't stress about the cost because VPI always told me they were here for me and my pet. He came home and I thought it would be a good time to file my insurance claim with VPI. I filed a claim that added up $5,000. They refused to reimburse me for most of it and I ended up only getting back $1,500. My financial state took a huge hit, and my credit score took a dive due to all my vet bills. They were there for me and my pet until we actually needed them. When they were needed most they told us we were out of luck. VPI may be fine if it's not a serious illness, but they have very low maximum coverage for very serious illnesses. I wouldn't recommend them because you never know what your animal will come down with. I never expected it and sadly, I paid the price (litterally) for not doing enough research into insurance companies. Do your research, and be very wary about using VPI, I think they are a very deceitful company.