I had VPI for 3 years for my husky (from a pup). At first they seemed to be good for reimbursement and getting the claim done. Recently had to take my husky in for a cough and the claim process was slow,(close to two months) and I barely got anything back for reimbursement. I called to see why and they have what is called a set benefits schedule. It doesn't matter where you live and how much you pay for a visit and care they only pay according to their benefits set of schedule. It's not worth the investment and have since found another pet insurance company that seems to be alot better. Shop around for the best possible pet insurance. Don't bother with this one....not worth the investment.