I've been a veterinary technician (nurse) for over 8 years and have a lot of experience with pet insurance companies. I had VPI pet insurance my for my pet for a little over a year and am now cancelling my pet's policy. My experience with this company has been a complete headache and even as a veterinary professional I find their benefit schedule to be ridiculously complex in a way that only benefits the company. I've had to resubmit 2 out of the 3 claims I've had with them and I've had to waist my time calling them and explaining why they should cover my claim. I am always recommending pet insurance for clients, because I truly believe it is a great thing to have when you need it, but I will definitely not be recommending VPI.