I never had to use my pet insurance until my dog was ill last month. The bill came out to $200 and I was informed by a VPI rep that some of the procedures weren't covered. After my deductible, I got reimbursed for $15. VPI will try to reason why a certain procedure shouldn't cost this much and that. It is extremely horrible. They also make you pay a little bit more than your chosen monthly plan if you were to pay month-to-month, I chose to pay the whole amount upfront for a year. I do not mind paying $400 a year for my pet and I do not mind getting $15 reimbursed from the original bill of $200. But I do mind when they try to inform me that my vet is overcharging me and they weren't going to reimburse my claim because of it.
Age of Pet