I agree w/ others that VPI's reimbursement schedule is a joke. With this said, however, I'd urge you to run some cost analyses. My coverage w/ for my 2-yr-old Chihuahua is about $250/year, which is less than half of what most others charge. If you take this into account, the lower reimbursement schedule may actually end up saving me money--especially if my dog has no major medical incidents. So, you get what you pay for. This is an insurance plan, and your lower premium may justify the lower reimbursement schedule.
Age of Pet