We've had policies on both of our dogs for about 7 years and are very satisfied. I have the Standard Plan plus added the cancer rider for both dogs a year ago. Like any insurance there is a deductible for each new diagnosis each year and mine is $50 per new incident. Around Thanksgiving Meisje was diagnosed with cancer and so far VPI has paid over $2,000 toward her chemo, surgery, blood tests, etc. Having the insurance made it much easier to make the decision to treat the cancer. I think less than $300 for over $2,000 worth of treatment is great. My dogs have better insurance than most people. Our claims are processed quickly and any questions are answered promptly. What can I say but thank goodness for VPI.