I am very pleased with VPI Pet Insurance. They offer a great website and a wonderful cutomer support team that is available via their toll free number. I work with my Vet to be sure that I use my benefits. Right now - I am on their Superior Plan and will be partially reimbursed for quite a bit, including my puppy's Spay, Heartworm/Flea medication, Annual Lab Test, her microchip and more. It is naive to expect 100% reimbursement through VPI or any other Pet Insurance company. You can download your policy at anytime via their user-friendly website and when you have questions you can reach their customer service representatives. I recommend VPI Pet Insurance!