I have had VPI coverage for my female GSD for 2 years and now have it for my 10 month old male GSD as well. They have been pretty fast with reviewing my claims and submitting the reimbursements, usually within a few weeks. I typically get back anywhere from 40-70% of the vet bill, of course depending on the procedures. My vet is notorious for being expensive, so it's not surprising to me that I don't get refunded more. VPI publishes their coverages and allowances for all the different procedures, so it really shouldn't be a surprise what/how much is refunded. When you buy a policy you select the level of coverage; for example I did not buy a policy that covers dental cleaning since my puppies are still young.