We have had 4 VPI policies - 3 boxers & 1 shepherd mix. We have the highest level of coverage and make good use of it! After 2 knee surgeries, 3 cancer surgeries, CAT scan and several minor traumas . . . I think we can safely say that we have been pleased with VPI. The coverage is often better than my own health insurance; the claims process is easier to follow and reimbursement is fast!!! In some cases I do not like the deductible or max per diagnosis . . .. but this is being addressed with more options available at renweal date. WAY TO GO VPI!!!