I have been with VPI since 1987 and I am still a client (23 years)!! I have had insurance with them for all my German Shepherds during these years. My German Shepherds are my "kids" and I spare no expense if I can keep them healthy and prolong their quality of life. My file for insurance claims filed is HUGE! We have dealt with cancer, spinal surgeries, seizures, physical therapy, accidents, emergency visits, surgeries on toes...you name it!! I never had a problem with VPI regarding the submitted claims. They never raised my rates the following year, or canceled my policy even though some years the claims were VERY high (one year was well over $10,000.00). They have MANY plans to choose from. I prefer one of their higher quality plans, and I add a cancer rider on there too. Sure, I'm not reimbursed 100% but I don't expect to be. I will never consider another company. They have proved themselves to me over the years!