I have been a VPI client for 7 years. We've been happy with the coverage. The process is easy, and getting easier with new modifications (not requiring vet signature on claims forms, etc). If I had one criticisim, I'd say that it is always a mystery how much we get back. I feel I have little ground for debate if I don't get back as much as I think I should. But every year, our refunds for vet services have been well worth the affordable premuims.