I have VPI for 8 years and have never had a problem. I have two cats, one who has had procedures for cancer twice and survived and also thyroid issues. VPI has always been there to reimburse for these very expensive operations. I now have my other cat who suffers from Kidney problems and it has also been discovered that she suffers from lymphosarcoma. I know without VPI I would not have been able to save or treat my cats. I would highly recommend VPI.