I have found my dog's VPI insurance to be very helpful- She had an acute illness requiring hospitalization at an emergency clinic, surgery, and follow up with Internal Medicine specialists. The cost was astronomical(over $10,000) and VPI did help reimburse a good bit, as well as continued maintenance for her condition.(Inflammatory bowel disease)I wish they reimbursed at higher rates also, but overall I have found them to be responsive, prompt , and very fair.