We purchased this coverage through my husband's employer. They have an automatic payroll deduction feature that worked for us. So far, our experience with VPI has been great. I have called Customer Service a few times, and had my questions answered efficiently the first time, which is refreshing. I do agree with the claim pay-out scale being very low. I have yet to find a Vet that fits into their "reasonable and customary" charges, but like someone else stated... that's the policy I chose & paid for. My claim reimbursements have been quick and painless, and their Customer Service has been wonderful. I would definitely recommend VPI to my fiends. Thank you!