I had VPI and received the worst treatment. Paid out hundreds of dollars in monthly fees to them, then paid hundreds, almost thousands on vet bills all for a lousy 119.00 reimbursement. Thieves. I am now enrolled in Pet Assure. May not be insurance but it is a guaranteed 25% off every time i visit my vets office. And i dont have to wait to get it. It comes right off of my bill.