VPI is raising our monthly fees, raising our deductibles, and adding to their exclusions. At 1st, I was pleased with them. As time went by, I was less and less satisfied. At most, I have been lucky to get back 25-35% of my bills. You do the math. When I told my animal clinic what VPI is doing, and that I was researching other insurance companies, I was told to please tell them what I would recommend, because they weren't happy to hear about what VPI is now costing their clients, NOR what VPI is now willing to cover.