I have no complaints about VPI; in fact, their speedy reimbursement for vet expenses is wonderful! VPI has always paid according to the fee schedule agreed upon in our policy. Our 14-month old Shih-Tzu puppy has had one serious illness and the usual regular maintenance. We're happy that VPI has paid half or more of our expenses! It's great for our peace of mind, and I often recommend it to fellow pet owners.