We have policies on both our 10 year old and 4 year old Siamese cats. Older one has always been healthy, however, younger Siamese has been a problem. VPI has come through for us with his shots, meds, herpes, asthma, gastro trouble, and more recently two abscesses. No insurance, even for humans is going to pay 100%. But VPI reimbursed us something even when we didn't think we would get anything. They have been a big help since we are on a fixed income. I enjoy talking with VPI reps. I have found them to be sweet, friendly, and always helpful. We were pleased to be able to renew both at last year's rates.