I have so far been happy with VPI. I've made several claims, mostly for small things, but payment has always been very prompt. I don't have any experience (yet) with large claims. My only complaint at this point would be 'pre-existing conditions'. Before I enrolled in VPI, I had to take my dog to the vet due to a bad case of diarrhea. When my dog was sick a couple years ago from something she ingested which caused diarrhea, my claim was denied due to the pre-existing condition.
Injury/illness
Claim Amount
Under $100
Breed
Labrador Retriever
Age of Pet
1 - 8
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They will eventually remove that as a pre existing condition if the animal goes for so many years without it happening again. I've forgotten how many years, but they can tell you and all you have to do is =send all their records for that period and they remove it within a month. I had it done.